Additional FDIC Deposit Insurance

ICS® and CDARS®: Smart Cash Management 

ICS and CDARS offer the peace of mind that comes with access to multimillion dollar FDIC deposit insurance, the opportunity to earn interest on your deposits, and flexibility. You can choose the service or combination of services that best match your needs for returns and access to your funds.


Place funds into money market deposit accounts (with six program withdrawals per month) using the IntraFi® Cash Service (ICS).

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The Certificate of Deposit Account Registry Service® (CDARS) lets you put excess cash balances to work in CDs with a range of maturities:

  • 4 weeks
  • 13 weeks
  • 26 weeks
  • 52 weeks
  • 2 years
  • 3 years
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How do ICS and CDARS work?

As a provider of ICS and CDARS, Brentwood Bank is part of a special network. When we place your deposit through ICS or CDARS, that deposit is divided into amounts under the standard FDIC deposit insurance maximum of $250,000 and is placed in deposit accounts at multiple banks.1 As a result, you can access coverage from many institutions while working directly with just one.

You communicate with the Brentwood Bank service team. And you receive one monthly statement for each service or service option in which you participate. As always, your confidential information is protected.


Benefits of ICS and CDARS

  • Earn returns - Contact us to learn about the returns you can earn. With ICS and CDARS, you can enjoy the convenience of banking directly with us and earning one interest rate per service option or CD maturity.
  • Enjoy peace of mind - Rest assured knowing that your funds are eligible for multi-million-dollar FDIC deposit insurance protection backed by the full faith and credit of the federal government.
  • Save time - Work directly with us—a bank you know and trust—to access multi-million-dollar FDIC deposit insurance. No need to use repo sweeps or track collateral on an ongoing basis.2
  • Support your community - Feel good knowing that the full amount of your funds placed through ICS and CDARS can stay local to support lending opportunities that build a stronger community.3
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1. Deposits are placed in money market deposit accounts when using ICS, or CDs when using CDARS.

2. 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 the depositor's funds through ICS or CDARS, or a particular ICS or CDARS transaction, satisfies those restrictions.

3. When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the IntraFi network, we can use the full amount of a deposit placed through ICS or CDARS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositor's consent to certain types of ICS or CDARS transactions, our bank may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending.