Insured Cash Sweep (ICS)

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ICS®, the IntraFi Cash ServiceSM, is a smart, convenient way for First National Bank and Trust customers to access multi-million-dollar FDIC protection on large deposits and enjoy flexibility.
With the ICS service, you can:
  • Rest assured. Make even large deposits eligible for protection that’s backed by the full faith and credit of the federal government.
  • Save time. Work directly with just First National Bank and Trust—a bank you know and trust. Forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement from us summarizing your account activity and balances. And, if you are accustomed to collateralization, reduce the need to track collateral on an ongoing basis.
  • Access funds. FNBT is fully integrated with IntraFi and your accounts are viewable through our digital banking tools. There's no need for manual entries. Movement of funds between ICS and your FNBT account is automated. Funds will sweep daily to maintain the desired balance threshold (typically $250,000).
  • Enjoy liquidity. Make unlimited program withdrawals.
Bank Safe, Bank Smart®.

To learn more, cash management team online or visit any of our convenient locations in Beloit, Argyle, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL.

Deposit placement through CDARS or 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 CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.