CDARS® is the Certificate of Deposit Account RegistryService®. And it’s the easiest, most convenient way to access FDIC insurance on large CDs.

One Bank ~ Everything is handled through our bank.

One Rate ~ You earn one rate per maturity on your entire investment – so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks. 

One Statement ~ You receive one regular account statement listing all of your CDs, along with their issuing banks, maturity dates,interest earned, and other details.

Any organization or individual who wants to access FDIC insurance through a single bank relationship can benefit from CDARS.


ICS, the Insured Cash Sweep® service, is a smart, secure, and convenient way to safeguard your large deposits.

Earn interest ~ Put funds to work in demand deposit accounts.

Enjoy peace of mind ~ Your ICS funds are eligible for multi-million-dollar protection that's backed by the full faith and credit of the United States government. No depositor has ever lost a penny of FDIC-insured funds.

Enjoy liquidity ~ You can access your ICS funds placed in the demand deposit accounts as often as you would like to meet your cash flow needs.

Businesses of all types, nonprofits, other large-dollar depositors, and public fund managers can benefit from ICS.