Insured Deposits

Optimistic small business team

Insure Your Business Deposits with Us

Forgo the hassle of banking with multiple institutions, get additional FDIC insurance on your deposit with us today.

CDARS - Certificate of Deposit Account Registry Service

We are a financial institution that provides the CDARS service to our customers.  With CDARS, customers can manage one banking relationship and earn competitive rates on certificates of deposit with maturities ranging from 4 weeks to two years. 

CDARS service is suitable for:

  • Businesseses with large amounts of excess funds for CD investments 
  • Government Agencies and Public Funds
  • Non-Profit Organizations
  • Individuals 

Benefits with CDARS:

  • Safety of FDIC insurance for large deposits 
  • Funds are placed in FDIC-insured institutions and multi-million dollar deposits can be eligible for FDIC coverage

ICS - Insured Cash Sweep Service

We also offer an insured cash sweep program which helps to insure multi-million dollar deposits. With ICS, businesses can enjoy expanded FDIC insurance protection without foregoing funds liquidity through the use of overnight cash sweeps that place the funds with FDIC-insured institutions.

ICS service is suitable for:

  • Businesses with excess funds that have concerns with funds liquidity 
  • Government Agencies and Public Funds
  • Non-Profit Organizations 
  • Individuals

Benefits with ICS:

  • Maximize FDIC insurance coverage for large account balances 
  • Earn competitive interest rates
  • Reduce time needed to manage daily liquidty needs

Need help?

If you have additional questions or would like to enroll in our Global Transaction Services, please contact us during our convenient business hours.

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