Obtain millions in FDIC insurance coverage for deposit amounts above $250,000 and enjoy convenient access to your funds.

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How It Works

Banesco USA is a member of the IntraFi network. When we place your deposit through the IntraFi Cash ServiceSM (ICS), it’s 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 millions in FDIC coverage from many institutions, plus the convenience of working directly just with us.



Maintain one banking relationship with Banesco USA


Your trusted Banesco USA Relationship Manager is your single point of contact


Maintain liquidity with online access to your accounts 24/7


Put cash balances to work in interest-earning demand deposit accounts or Money Market deposit accounts


Receive one statement from Banesco USA to simplify record keeping


The full amount of funds placed through ICS can stay local to support lending opportunities that build a stronger community1

ICS is offered by IntraFi®.

1 When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, Banesco USA can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, Banesco USA may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending. Deposit placement through ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi Cash Service is a service mark, of IntraFi Network LLC.



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