IntraFi Network

Certificate of Deposit Account Registry Service banner.

It Pays to Bank Smart. Safety in Large Numbers.

Institutions like Rockland Trust 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.

By working directly with just Rockland Trust, you can access the insurance coverage of many banks. You receive one regular statement from Rockland Trust and as always, your confidential information is protected.

For Consumers
For Businesses

Certificate of Deposit Account Registry Service® (CDARS)

With the CDARS^® service, you can access multi-million-dollar FDIC protection by working directly with just Rockland Trust.

Rest assured. Know that deposits well into the millions are eligible for FDIC insurance protection.
Earn interest. Put cash balances to work in CDs.
Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forgo the need to use repo sweeps, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.
Manage liquidity. Select from multiple terms to meet your liquidity needs.
Support your community. Feel good knowing that the full amount of funds placed through CDARS can stay local to support lending opportunities that build a stronger community.¹

Get started today by
finding a branch location near you.

Insured Cash Sweep® (ICS)

Would you like to access multi-million-dollar FDIC protection on your deposits; earn interest by placing funds into demand deposit accounts, money market deposit accounts, or both; and enjoy flexibility at the same time?

Peace of mind. Rest assured knowing that funds are eligible for FDIC insurance protection in amounts well into the millions, all backed by the full faith and credit of the federal government. And since deposit accounts are not subject to floating net asset values, you can feel secure knowing that market volatility will not negatively affect principal.
Put cash balances to work in demand deposit accounts or money market deposit accounts.
Liquidity. Enjoy access to funds placed through ICS into demand deposit accounts and money market deposit accounts.
Time savings. Work directly with just Rockland Trust - a bank you know and trust―to access multi-million-dollar FDIC insurance and forego the need to track collateral on an ongoing basis, or to manually consolidate statements and disbursements from multiple banks.
Community support. Feel good knowing that the full amount of funds placed through ICS can stay local to support lending opportunities that build a stronger community.¹

As a business owner, you can utilize both ICS ® and CDARS® for your deposits.

While ICS® disperses your funds across money market accounts, CDARS® will place your funds into CDs – we recommend discussing your liquidity needs with our Treasury Management team to find the appropriate solution for you.

Get started today by contacting our
dedicated Treasury Management team.

1. When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS, our bank can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank 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 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 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 hexagon and IntraFi logo are service marks, of IntraFi Network LLC.

Connect with us:
Personal 508.732.7072
Business 508.732.7078

IntraFi Network

It Pays to Bank Smart. Safety in Large Numbers.

Certificate of Deposit Account Registry Service® (CDARS)

Insured Cash Sweep® (ICS)

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