Axos Bank Insured Cash Sweep (ICS)

Protect your large, liquid deposits that exceed the FDIC's maximum insurable threshold of $250,000. By using IntraFi® Network Deposits,SM we provide access to multimillion-dollar FDIC insurance, protection that is backed by the full faith of the federal government.

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Features

  • Access to FDIC insurance above $250,000 through a single bank relationship
  • Secure large deposits while maintaining access to funds
  • Earn interest
  • Funds eligible for protection that is backed by the full faith and credit of the federal government

Meeting Your Liquidity Needs

Place funds using either or both options

Demand Deposit Accounts

Use the demand option to secure funds to meet your cash management and liquidity needs.

Money Market Deposit Accounts

Leverage the savings option, which allows up to six program withdrawals per month.

How It Works

Complete agreement

Complete a Deposit Placement Agreement and a custodial agreement with Axos Bank.

Confirm account

Identify an existing transaction account (or set up a new one) to be used with each product option and deposit funds*.

Place deposits

Deposits are sent to deposit accounts at other member institutions in amounts under the standard FDIC insurance maximum of $250,000.

Contact Us

Call us at 833-307-1542 or complete the form below, and one of our dedicated bankers will contact you.

Which products or services apply to your request? Click all that apply.

By clicking Submit, you have agreed to these Terms and Conditions, and you have agreed to receive automated SMS text messages, calls, and emails for any purpose including but not limited to marketing of products and services by Axos Bank. You understand and agree that such messages may be sent via Automatic Telephone Dialing System and/or artificial or pre-recorded voice, and that such consent is not a condition of receipt of any good or service. Mobile carrier messages and data rates may apply. You may opt out at any time.

Would you like to get the peace of mind that comes with access to millions in FDIC insurance, combined with the convenience of working directly with just our bank?

With IntraFi Network Deposits, you can.

IntraFi Network Deposits, formerly ICS, is a trusted, tested product used by thousands of businesses, government entities, and institutional investors across the nation for cash management needs.

It is the easiest way to access multi-million dollar FDIC coverage on demand deposit accounts, money market deposit accounts, or both.

No one has ever lost a penny of FDIC-insured funds.

So, how does it work?

Let's say you have $1 million to invest.

When you place your funds using IntraFi Network Deposits, The funds are divided into amounts below the FDIC insurance maximum of $250 ,000 and placed with other FDIC-insured participating banks.

Know where your funds are at all times.

Record-keeping is transparent, detailed, and simple.

You receive one regular statement from our bank showing interest earned and other important details for deposits placed through intrafine network deposits.

And, of course, your confidential information remains protected.

No more maintaining multiple bank relationships, manually consolidating balances and interest disbursements, or having to footnote uninsured deposits in financial statements.

And by making funds eligible for FDIC protection, you can eliminate the non-stop hassle of ongoing collateral tracking, if you are accustomed to doing so.

With IntraFi Network Deposits, you can have it all.

Focus on transparency, safety, yield potential and convenience.

Ask us about IntraFi Network Deposits today.

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Careers
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Company
Tools
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CRA Public File
Privacy
Security
ATM Locator
Accessibility

© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

*

Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply, and customer eligibility criteria may apply. Aggregate coverage can be in the millions, subject to program limits and eligibility criteria. In the ICS savings option, program withdrawals may be limited to six per month for funds placed in MMDAs. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits is a service mark, and IntraFi, Insured Cash Sweep, and ICS are registered service marks, of IntraFi Network LLC.

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