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Smart investing.

Access multi-million-dollar FDIC insurance on CD investments.

Everything is handled through Salisbury Bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Then, those member banks issue CDs in amounts under $250,000, so that your entire investment is eligible for FDIC insurance. By working with just one bank - Salisbury Bank - you can receive insurance from many.

You earn one rate for each CD maturity - so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks.

You receive one account statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details. With CDARS, there's no need to manually consolidate statements, track changing collateral values, or use private surety bonds.

It's that simple.

We are part of a special network. When you place a large deposit with us, we place your funds into CDs issued by other banks that participate in the network––in increments less than the standard FDIC insurance maximum––so that both principal and interest are eligible for FDIC protection. As a result, you can access coverage from many banks while working directly with just us.

With access to multi-million-dollar FDIC insurance, you can eliminate ongoing collateral tracking and avoid the hassle of opening accounts at different banks or in different insurable capacities, as well as the need to manually consolidate account statements and interest disbursements on a recurring basis. This reduces administrative burdens, especially during tax and financial reporting seasons, and frees up valuable time. So, you can skip extra paperwork while enjoying the peace of mind associated with access to multi-million-dollar FDIC insurance.

As always, your confidential information remains protected.

Bank Safe, Bank Smart®

IntraFi Network Deposits (formerly ICS, or the Insured Cash Sweep®service) is a safe cash management solution that enables access to FDIC insurance beyond $250,000 on large deposits placed into demand deposit accounts (through the demand option) and money market deposit accounts (through the savings option) while working directly with our bank.

With IntraFi Network Deposits, you can:

  • Rest assured knowing your funds are eligible for multi-million-dollar FDIC insurance that’s backed by the full faith and credit of the U.S. government
  • Enjoy the ease of working through a single bank relationship and receiving just one regular statement
  • Maintain access your funds placed into demand deposit accounts and money market deposit accounts
  • Eliminate ongoing collateral tracking and the need to footnote uninsured deposits in financial statements
  • Support your community by keeping the full amount of your deposit local to support local lending1

We, like other institutions that offer IntraFi Network Deposits, are members of a special network. When we place your deposit through IntraFi Network Deposits, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The amounts are then placed into deposit accounts at multiple FDIC-insured banks. As a result, you can access FDIC coverage from many institutions while working directly just with us.

You receive a regular monthly statement from us showing your demand and savings balances and other key information. And you can check your balances and track other important information online, 24/7. Your confidential information remains protected.

Working directly with just Salisbury Bank - a financial institution you already know and trust - you can receive coverage from many.