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Careers





THE POWER OF MANY®

Chosen by over 3,000 financial services organizations, our deposit network
offers deposit placement and wholesale funding services nationwide

See what's possible



ADVANCING THE INDUSTRY FOR OVER 20 YEARS

We enable financial services companies of all sizes to keep their customers’
money secure, manage cash balances, and increase profitability in ways that
would be too difficult or costly for each to achieve on its own.

For Depositors
For Financial Services Providers


PROTECT LARGE DEPOSITS

IntraFi offers simple, convenient solutions to safeguard large cash balances.
Tested and trusted, IntraFi’s services are used by financial institutions to
provide tens of thousands of depositors with access to enhanced protection for
large deposits at IntraFi network banks.

Learn More


BANK SAFE, BANK SMART®

We believe that security and opportunities for success should be as accessible
as possible. Financial institutions nationwide use IntraFi’s services to help
depositors secure and grow their funds.

Learn More


DIVERSIFY CASH PLACEMENTS

IntraFi’s suite of services provides a variety of liquidity options and the
largest per-depositor capacity. Depositors can work with just one financial
institution of their choosing to diversify their funds across numerous financial
institutions.

Learn More


BUILD LARGE-DOLLAR
RELATIONSHIPS

Offer safety-conscious customers access to hundreds of millions in FDIC
insurance for DDA, MMDA, brokerage accounts, and time deposits.

Learn More


MANAGE LIQUIDITY

Move funds on and off balance sheet for resilience and flexibility, earning
noninterest fee income when selling deposits.

Learn More


DISCOVER ASSET OPPORTUNITIES

Gain access to bank asset sales and purchase opportunities, including loan
purchases and private equity capital call facilities.

Learn More
We’re a unifying force in today’s financial industry, enabling depositors and
institutions to become more than the sum of their parts.
93

Of the nation’s top 100 banks use IntraFi

64
%

Of banks in the U.S. are IntraFi network participants

76
%

Of CDFI banks are members in IntraFi’s network




SUCCESS ROOTED IN RELATIONSHIPS, NOT TRANSACTIONS

We pioneered reciprocal deposits and lead the industry in FDIC-insured deposit
placement services. Our suite of services — CDARS®, ICS®, IntraFi SweepSM,
IntraFi Yankee Sweep®, IntraFi Assetpoint®, and IntraFi RepoSM — reflects the
confidence that comes with category leadership.

Learn More ABOUT OUR SERVICES



HISTORY OF SAFETY & SECURITY

Our customer-centric approach and stringent security measures have enabled us to
serve our customers through good times and times of stress in the financial
system. With a 20+ year history of solid performance, we are known for our
reliability and security.

About Us


BUILT ON SCALABILITY AND SIZE

Our network spans the financial services spectrum from the largest global banks
to the smallest community banks, as well as brokerage firms and fintechs. The
flexibility and capacity of our network provides a one-stop solution, lowers
costs, and increases returns to our clients versus what they would achieve on
their own or from other solutions.

Our Network



DISCOVER THE POWER OF THE INTRAFI NETWORK

Find out how we help banks and other financial services organizations.

Join the Network

Chosen by
3K+
Financial Services Organizations
Our reciprocal solutions help keep locally sourced deposits in local
institutions, which in turn helps drive economic growth in communities
throughout the U.S., including some of the most underserved locales.

“With great success, we are selling ICS to our large-deposit clients as a
retention vehicle, as well as using ICS to lower cost of funds and attract new
deposit business.”

John Calpey
Executive Vice President and COO
Old Florida National Bank, FL

CDARS is a relationship-driven service that opens up the door where you’ve never
gone before. Period.

Francis Hornung
Former Vice President and Sales Manager, Five
Star Bank, NY

“[IntraFi] has been a big partner with us in order to fund growth.

John Millseon
President/CEO
Bank of Clarke County

“Because we are a member of the [IntraFi] network, we have an opportunity to
generate fee income on deposits we are not using for lending when loan demand is
slack.”

Phil Guarnieri
CEO
Empire State Bank

“[IntraFi] gives us a lot of advantages that some of the largest institutions
may have today so that we can provide some of our more sophisticated borrowers
with the products and services that they really want.”

Frank Sorrentino
Chairman and CEO
ConnectOne Bancor

“With great success, we are selling ICS to our large-deposit clients as a
retention vehicle, as well as using ICS to lower cost of funds and attract new
deposit business.”

John Calpey
Executive Vice President and COO
Old Florida National Bank, FL

CDARS is a relationship-driven service that opens up the door where you’ve never
gone before. Period.

Francis Hornung
Former Vice President and Sales Manager, Five
Star Bank, NY

“[IntraFi] has been a big partner with us in order to fund growth.

John Millseon
President/CEO
Bank of Clarke County

“Because we are a member of the [IntraFi] network, we have an opportunity to
generate fee income on deposits we are not using for lending when loan demand is
slack.”

Phil Guarnieri
CEO
Empire State Bank

“[IntraFi] gives us a lot of advantages that some of the largest institutions
may have today so that we can provide some of our more sophisticated borrowers
with the products and services that they really want.”

Frank Sorrentino
Chairman and CEO
ConnectOne Bancor

“With great success, we are selling ICS to our large-deposit clients as a
retention vehicle, as well as using ICS to lower cost of funds and attract new
deposit business.”

John Calpey
Executive Vice President and COO
Old Florida National Bank, FL

CDARS is a relationship-driven service that opens up the door where you’ve never
gone before. Period.

Francis Hornung
Former Vice President and Sales Manager, Five
Star Bank, NY

“[IntraFi] has been a big partner with us in order to fund growth.

John Millseon
President/CEO
Bank of Clarke County

“Because we are a member of the [IntraFi] network, we have an opportunity to
generate fee income on deposits we are not using for lending when loan demand is
slack.”

Phil Guarnieri
CEO
Empire State Bank

“[IntraFi] gives us a lot of advantages that some of the largest institutions
may have today so that we can provide some of our more sophisticated borrowers
with the products and services that they really want.”

Frank Sorrentino
Chairman and CEO
ConnectOne Bancor

“With great success, we are selling ICS to our large-deposit clients as a
retention vehicle, as well as using ICS to lower cost of funds and attract new
deposit business.”

John Calpey
Executive Vice President and COO
Old Florida National Bank, FL

CDARS is a relationship-driven service that opens up the door where you’ve never
gone before. Period.

Francis Hornung
Former Vice President and Sales Manager, Five
Star Bank, NY
 * 




INTRAFI INSIGHTS

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When deposited funds are exchanged on a dollar-for-dollar basis with other banks
in IntraFi's network of financial institutions, your bank can use the full
amount of a deposit placed through ICS and CDARS for local lending, satisfying
some depositors’ local investment goals or mandates.

Deposit placement through IntraFi’s deposit placement services is subject to the
terms, conditions, and disclosures in the program agreements. Limits apply and
customer eligibility criteria may apply. ICS program withdrawals may be limited
to six per month for money market deposit accounts. Deposits are placed at
destination institutions in amounts that do not exceed the FDIC standard maximum
deposit insurance amount (“SMDIA”) at any one destination institution. Using
multiple destination institutions provides access to aggregate insurance amounts
across institutions that are multiples of the SMDIA. Although deposits are
placed at destination institutions in amounts that do not exceed the SMDIA at
any one destination institution, a depositor’s balances at the relationship
institution that places the deposits may exceed the SMDIA (e.g., before
settlement for a deposit or after settlement for a withdrawal) or be ineligible
for FDIC insurance (if the relationship institution is not an insured depository
institution). The depositor is responsible for making any necessary arrangements
to protect such balances consistent with applicable law. If the depositor is
subject to restrictions on deposits of its funds, the depositor is responsible
for determining whether deposit placement through IntraFi’s services satisfies
those restrictions. A list identifying IntraFi network banks may be found at
https://www.intrafi.com/network-banks. The depositor may exclude particular
insured depository institutions from eligibility to receive the depositor’s
funds.  
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