Personalized Financial Consulting for Your Business Growth Small Business Commercial Real Estate Government Fiscal Analysis & Legislative Advocacy Interested in working together? Visit www.ponderosaeconomics.com or call (505) 699-1841. Financial & Management Consulting Firm safety. A survey of bank executives at the time revealed that 68% of respondents experienced an increase in inquiries about the safety of their deposits.3 Banks that were already members of a deposit network, such as the IntraFi network, had a solution at the ready, and other banks quickly sought reciprocal deposit network membership so they could offer their customers the peace of mind of knowing that their large cash balances and deposits had access to protection. The awareness that uninsured deposits pose a risk to bank customers, particularly those who need daily access to operational cash, increased after the 2023 banking crisis and has remained sporadically in the news, with various news outlets reporting on how customers can protect their cash balances over $250,000. Reciprocal deposit networks are usually featured in these articles as they offer the convenience of managing one bank relationship to access insurance across many banks. As a result, more customers know to ask for access, and more banks proactively offer the services to strengthen relationships with high-value customers. Good for Banks and Communities As more community banks utilize reciprocal deposits, they realize how nicely reciprocal deposits dovetail with their community missions. With reciprocal deposits, the full amount of funds placed can stay local to support community lending. This has special appeal for community banks that, by design, exist to help their communities grow and thrive by lending to local customers. Community banks play a vital role in local economic stability and growth. By using reciprocal deposits, banks can expand their lending capacity for their local customers, creating a virtuous cycle of mutual success. Reciprocal Deposits for Today’s Market Environment In an environment where deposit competition is intensifying and customer concerns about deposit safety remain top of mind, reciprocal deposits have emerged as a vital tool for community banks. They offer a unique combination of customer reassurance, cost-effectiveness, community support and franchise-building potential. 1 IntraFi Q2 2025 Bank Executive Business Outlook Survey. 2 Docherty, Christine, and Alessio Saretto. “How Do Reciprocal Deposit Networks Interact with Deposit Insurance?” Federal Reserve Bank of Dallas, accessed August 27, 2025. https://www.dallasfed.org/research/ economics/2025/0805. 3 IntraFi Q1 2023 Bank Executive Business Outlook Survey. Since its founding over 20 years ago, IntraFi has been chosen by over 3,000 financial institutions. IntraFi’s deposit network is the largest of its kind, and its tested, trusted services help its network members acquire high-value relationships, fund more loans and seamlessly manage liquidity needs. IntraFi invented reciprocal deposits and is the No. 1 provider of deposit placement solutions, offering the largest per-depositor, per-bank capacity. Visit www.intrafi.com to learn more. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. A list identifying IntraFi network banks appears at www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. Deposit placement through an IntraFi service is subject to the terms, conditions and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (SMDIA) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi and the IntraFi logo are registered service marks of IntraFi LLC. 13
RkJQdWJsaXNoZXIy MTg3NDExNQ==