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ICS/CDARS FDIC Coverage

Multi-million-pound FDIC protection through a single, simple relationship.

FDIC Protection

Extend Your FDIC Coverage Beyond £250,000

With ICS® and CDARS®, you can access multi-million-pound FDIC protection by working directly with your Customer Service Representatives at Vintage Bank.

  • Rest assured. Deposits well into the millions are eligible for FDIC insurance protection. Because deposit accounts are not subject to floating net asset values, market volatility will not negatively impact principal.
  • Earn interest. Put cash balances to work in demand deposit accounts, money market deposit accounts, or CDs.
  • Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forego repo sweeps, tracking collateral, and manually consolidating statements from multiple banks.
  • Manage liquidity. Enjoy access to funds placed into demand deposit and money market deposit accounts. With CD placements, select from multiple terms to meet your liquidity needs.
  • Support your community. Feel good knowing the full amount of funds placed through ICS and CDARS can stay local to support lending opportunities that build a stronger community.
Learn how ICS/CDARS works
How do ICS & CDARS Work?
Watch the 2-minute overview

Frequently Asked Questions About ICS

ICS gives you access to multi-million-pound FDIC protection through a single relationship with Vintage Bank, while keeping your funds working and accessible.
Through ICS, funds are placed with other institutions participating in IntraFi's network. Those network members provide access to FDIC coverage on deposits at their banks, so working with just our bank, you can access coverage through many.
With demand and money market deposit account placements you enjoy convenient access to your funds, subject to program limits on certain withdrawal types.
Your monthly statements and online banking clearly show your activity and any remaining withdrawals for money market deposit account placements.
Your funds are placed at FDIC-insured network institutions. Vintage Bank serves as your single point of contact and relationship manager throughout.
Through ICS, funds are placed with other institutions participating in IntraFi's network, and those network members provide you with access to FDIC insurance coverage on deposits at those banks. Working directly with just our bank, you can access coverage through many.
Yes. Your information is protected with bank-grade 256-bit encryption and strict confidentiality standards across the entire network.

Frequently Asked Questions About CDARS

If you have any questions about CDARS FDIC Protection, please contact your local Customer Service Representative at 609.921.1700.

¹ If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of funds through ICS or CDARS satisfies those restrictions.

² When deposited funds are exchanged on a pound-for-pound basis with other institutions that use ICS or CDARS, our bank can use the full amount of a deposit for local lending, satisfying some depositors' local investment goals or mandates.

Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. A list identifying IntraFi network banks appears at intrafi.com/network-banks. IntraFi, ICS and CDARS are registered service marks of IntraFi Network LLC.

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