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FDIC Insurance
Safety in Large Numbers

Looking for options that exceed the standard FDIC coverage? Access millions in FDIC insurance with a single, local bank relationship through our partnership with IntraFi. Put your cash balances to work in CDs and rest assured that deposits well into the millions are eligible for FDIC insurance protection with CDARS®. Learn more about this service below and contact your CNB&T officer for more questions.
Smart Investing with IntraFi ICS and CDARS. Earn interest and Access. Multi-Million-Dollar FDIC Insurance.
What are ICS and CDARS? ICS, the IntraFi Cash Service, and CDARS are smart, convenient ways to safeguard your large deposits. With ICS, your funds are placed into demand deposit accounts, money market deposit accounts, or both. With CDARS, funds are placed into CDs. With the ICS and CDARS services, you can: enjoy peace of mind knowing your funds are eligible for multi-million-dollar FDIC insurance, earn interest, save time by working directly with our bank, enjoy flexibility, and know the amount of your dep
Why ICS and CDARS? Enjoy Peace of Mind. Make funds eligible for protection beyond $250,000 that is backed by the full faith and credit of the federal government. No one has ever lost a penny of FDIC-insured deposits. Save time by working directly with us - a bank you know and trust - to access multi-million-dollar FDIC insurance, and say goodbye to tracking collateral on an ongoing basis, managing multiple bank relationships, manually consolidating bank statements, and other time-consuming workarounds.
Enjoy flexibility. ICS offers daily access to funds and CDARS offers multiple maturities, including 4 weeks, 13 weeks, 26 weeks, 1 year, 2 years, and 3 years. Earn one interest rate per service option or CD maturity. Feel good knowing that the full amount of your funds placed through ICS and/or CDARS can stay local to support lending opportunities that build a stronger community.
Institutions like ours that offer ICS and CDARS are members of the IntraFi network. When we place your funds through the ICS or CDARS service, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The funds are then placed in demand deposit accounts or money market deposit accounts (using ICS), or in CDs (using CDARS) at multiple banks. As a result, you can access coverage from many institutions while working directly with just one. You receive one regular statement fro
ICS Steps: Sign an ICS Deposit Placement Agreement and a custodial agreement with us, identify an existing transaction account (or set up a new one) to be used with ICS, funds are placed into deposit accounts at other IntraFi network banks, check balances and see where your funds are at all times using an online tool specifically developed for ICS, and receive one monthly statement from us summarizing your account activity and balances across institutions. CDARS: sign a CDARS deposit placement agreement and
Using the Depositor Control Panel, you can check your ICS balances, view where your funds could be placed, review and manage daily proposed fund placements, track monthly program withdrawals (for placements in money market deposit accounts) and view your transaction history.

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