IntraFi Network Deposits

Multi-million-dollar FDIC Insurance Coverage at your fingertips

Bank of Houston offers deposit solutions that provide peace of mind for our clients. ICS and CDARS, available through Bank of Houston, provide  individuals, non-profits, and businesses access to multi-million-dollar FDIC insurance protection on deposits placed at IntraFi network banks. And, you pay no monthly fees.


When you submit a large deposit for placement using ICS or CDARS, it is divided into amounts under the standard FDIC maximum and placed with other IntraFi network banks each an FDIC‐insured institution. This makes your deposit eligible for FDIC insurance at each network bank. By working directly with Bank of Houston, you can access insurance through many FDIC insured institutions.

With ICS, your funds are placed into money market accounts, whereas with CDARS, your funds are placed into CDs. This allows you to choose which is the right product for you.


  • Enjoy peace of mind knowing your ICS and CDARS funds are eligible for FDIC
  • Save time working directly with your local banker
  • Earn favorable returns – ICS is valuable for shorter term liquid deposits while CDARS give you the benefits of longer term maturities
  • View your ICS or CDARS deposits online at anytime and enjoy the convenience of receiving a single statement for your ICS or CDARS accounts
  • Support investment in your local community

For rate information, please click here. For more information on the IntraFi Network Deposits program, please visit or call your local banker at (713) 497-1515 or (254) 445-2213 to get started today!