InsureGuard+ Savings

Expanded FDIC insurance and concierge service - all in one account.

Introducing InsureGuard+ Savings: Protect up to $265 million with FDIC insurance, tailored white glove service, and high interest rates, all through one bank relationship.

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Protect your deposits under one banking relationship.

Up to $265MM FDIC Insured Funds

Personalized Bank Relationship

Competitive Interest Rates

Why InsureGuard+ Savings?

  • Gain Interest ­– Continue earning interest on your entire deposit, while it is distributed within the IntraFi Network.
  • No fees – Experience the benefits of no fees, ensuring you keep more of your money.
  • Liquidity – Benefit from both accessibility and security without compromise.
  • Peace of mind – Enjoy complete FDIC coverage on your entire deposit, up to $265 million, ensuring ultimate security.

Don’t settle for less than superior service.

We provide you with a dedicated relationship manager, expert FDIC insurance guidance, and customized advice to meet your needs and goals.

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What is IntraFi Network Deposits?

IntraFi Network Deposits, formerly known as Insured Cash Sweep, is a solution for protecting deposits over $250,000 with FDIC insurance through a network under one banking relationship.

How do IntraFi® Network Deposits work?

InsureGuard+ Savings uses IntraFi® Network Deposits to split your deposit into $250,000 increments, placing them in multiple FDIC-insured institutions. This ensures every part of your deposit is fully covered by FDIC insurance.

Don’t Settle for Less Than VIP Banking

There’s no need to waste time on banking with subpar service. Get full FDIC coverage and service tailored to meet your needs.

Fill out the form below to speak to a relationship manager.

By providing you phone number and 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.

Frequently Asked Questions

Does opening an InsureGuard+ Savings account make me part of Axos Premier?

Yes, by opening an InsureGuard+ Savings account, you begin your Axos Premier relationship and have exclusive access to all our VIP banking services.

How much of my deposit can be insured by InsureGuard+ Savings?

Using the IntraFi network, Axos InsureGuard+ Savings can insure your deposit up to $265 million.

What happens if one of the IntraFi network banks fails?

Because your deposit will never be more than $250,000 at each institution within the network, if one of them fails, you receive the full deposit you had at the failed bank from the FDIC.

How do IntraFi Network Deposits work?

IntraFi Network Deposits work by splitting your deposits into increments of $250,000 and distributing it among the financial institutions within the network. This maximizes FDIC insurance at each institution.

How long has IntraFi Network Deposits been around?

IntraFi Network Deposits was founded in 2002. It was formerly known as Promontory Interfinancial Network.

How much does an InsureGuard+ Savings account cost?

With our VIP banking experience, bank fees are a thing of the past. The InsureGuard+ Savings account has no fees.

How do I open an InsureGuard+ Savings account?

With our VIP banking experience, bank fees are a thing of the past. The InsureGuard+ Savings account has no fees.

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© 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 the ICS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits and customer eligibility criteria apply. Maximum coverage of $265MM per IntraFi® website as of September 23, 2024; this amount is subject to change. In the ICS savings option, program withdrawals may be limited to six per month. 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 ICS settlement for a deposit or after ICS 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 ICS satisfies those restrictions. IntraFi® and ICS are registered service marks, and the IntraFi® hexagon and IntraFi® logo are service marks, of IntraFi® Network LLC.

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