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IntraFi ICS Network Deposits

Multi-Million Dollar FDIC Insurance for Your Deposits
With IntraFi® Network Deposits you can access millions in FDIC insurance-all through a single bank relationship with Heritage Bank of Nevada, a bank you know and trust. Funds can be placed into demand deposit accounts, money market deposit accounts or CDs with no additional cost or setup fees.
Enjoy Peace of Mind
Rest assured knowing that your funds are eligible for multi-million dollar FDIC insurance protection that's backed by the full faith and credit of the federal government. ICS are not subject to floating net asset values, so you can feel secure knowing that market volatility will not negatively affect your principal.
Interest Rate Set By Us
Put cash balances to work in demand deposit accounts, money market deposit accounts or CDs.
Access Funds-Liquidity
Enjoy access to funds placed into demand deposit accounts and money market deposit accounts. With CD placements, select from multiple term options to meet your liquidity needs.
Work directly with Heritage Bank of Nevada, no need to manage multiple bank relationships, track collateral or have uninsured deposits to footnote in financial statements.
One Statement
You receive one monthly statement that shows balances, transactions, interest, and other important details associated with your deposit accounts. If you place funds into demand deposit accounts or money market accounts, you can enjoy 24/7 online access to account information.
Support for the Northern Nevada Economy
Feel good knowing that the full amount of your funds stay local to support lending opportunities that build a stronger community.1
A Smart Choice
IntraFi® Network Deposits is the nation's most widely used FDIC-insured deposit product. With IntraFi® Network Deposits, you can enjoy the largest per-depositor FDIC eligibility available through a single financial relationship. For more information on IntraFi® Click Here.

[1] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use IntraFi® Network Deposits, our bank can use the full amount of a deposit placed through IntraFi® Network Deposits 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 IntraFi® Network Deposits 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 IntraFi® Network Deposits satisfies any restrictions on its deposits. 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.