Manage Your Large Deposits with a Single Bank Relationship
Protect large personal deposits while keeping your banking simple. FNBCC’s Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) services allow you to keep qualifying deposits eligible for FDIC insurance beyond standard limits—without spreading your money across multiple banks or accounts. You work directly with FNBCC, while your funds are placed through a trusted national network of participating banks.
These services are ideal for individuals with higher cash balances who want added protection, flexibility, and peace of mind—all while maintaining a single banking relationship. To learn more about whether ICS or CDARS is right for your personal savings strategy, contact your local FNBCC banker and start the conversation.
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ICS® – IntraFi Cash Service®
ICS is designed for customers who want secure access to larger cash balances while maintaining liquidity. Your funds are placed into money market or interest-bearing deposit accounts and are distributed across multiple FDIC-insured banks in amounts that remain within insurance limits.
With ICS, you retain access to your funds while knowing your deposits are positioned for protection and convenience.
CDARS® – Certificate of Deposit Account Registry Service®
CDARS allows you to place large deposits into certificates of deposit while keeping those funds eligible for FDIC insurance. Instead of opening multiple CDs at different institutions, your deposit is allocated across a network of banks—while you continue to work solely with FNBCC.
CDARS offers a straightforward way to earn a fixed rate of return while simplifying recordkeeping and account management.
Why ICS and CDARS May be the Right Choice for You
The ICS and CDARS offered by FNBCC allow you to:
Rest assured.
Make large personal deposits eligible for FDIC insurance backed by the full faith and credit of the U.S. government, while maintaining a relationship with just one bank.
Simplify your banking.
Stop managing multiple bank accounts, tracking collateral, or consolidating statements. With ICS and CDARS, you receive consolidated reporting through FNBCC.
Put excess cash to work.
Earn interest on funds placed through interest-bearing deposit accounts or certificates of deposit, depending on the service you choose.
Maintain flexibility.
ICS provides access to liquidity, while CDARS offers a range of CD terms to match your savings goals and timeline.
Keep your information secure.
Your account details remain confidential. You receive statements directly from FNBCC, and your banking experience stays consistent and familiar.