IntraFi: Extended FDIC Coverage
One Local Relationship. More to protect. One trusted place to do it. If you've built a significant deposit balance - whether personal wealth, business reserves or nonprofit funds - standard FDIC coverage may not stretch far enough. IntraFi lets you keep your full balance with Commerce Bank & Trust while accessing FDIC protection into the millions. Choose the option that fits how you use your money:
One local relationship. Access multi-million-dollar FDIC insurance while working directly with your Winter Park team.
Network Security
How It Works: The Power of the Network
You don’t need to shop for rates or juggle passwords at a dozen different institutions. We handle the logistics right here from our Winter Park office.
Deposit Solutions
Tailored Options for Large Deposits
Fixed-Term CDs
IntraFi CDARS: Fixed-Term CDs
Ideal for funds you don't need right away. Your deposit is placed into CDs across the IntraFi network, so you earn a fixed rate for a set term while staying within FDIC limits.
- Predictable earnings: Earn a fixed rate of return for the term you choose.
- Flexible terms: Select a maturity that fits your plans.
Demand & Liquidity
IntraFi ICS: Demand and Money Market Accounts
Ideal for funds you want to keep accessible. ICS places your deposit into accounts across the IntraFi network while you keep access to your money.
- Extended Coverage: Access multi-million-dollar FDIC insurance through participating network banks.
- Simplified Management: Receive one consolidated statement and one tax form (for Intrafi accounts only), with one local point of contact.
- Less Administrative Work: Avoid the time and effort of managing deposits at multiple institutions.
Key Advantages
Why IntraFi?
- Extended coverage: Access multi-million-dollar FDIC insurance through participating network banks.
- Simplified management: Receive one consolidated statement and one tax form, with one local point of contact.
- Less administrative work: Avoid the time and effort of managing deposits at multiple institutions.
Why Trust a Local Partner with Your Reserves?
Unlike national mega-banks that view significant deposits as mere market segments, Commerce Bank & Trust sees you as a cornerstone of our local community.
Every decision, including how we structure and manage your IntraFi deposits, is made locally.
Our leadership team has deep roots in Central Florida; we aren’t just managing your funds; we’re reinvesting in the community where you live and work.
When you trust us with a significant balance, you’re choosing a bank that values your legacy as much as you do.
Locally owned. Genuinely invested.
Ready for a Confidential Consultation?
Whether you’re protecting business reserves or personal family wealth, we provide the straightforward guidance you deserve. Let’s sit down and build a deposit plan that fits your goals.