Insured Cash Sweep Accounts

Earn interest on excess cash balances protected by expanded multi-million-dollar FDIC insurance coverage. 
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Spend your time building your business, not managing multiple accounts.

Simplify your cash management by consolidating accounts with SVB.

Through Insured Cash Sweep® (ICS)1, excess cash balances are automatically swept from your linked SVB checking account into deposit accounts at other ICS participating banks in amounts below the current FDIC insurance coverage maximum of $250,000.2

  • FDIC insurance coverage up to $190M per tax identification number 
  • Maintain full access to deposits through your linked SVB checking account  
  • Automated sweep to and from your linked SVB checking account 
  • Access to balance and transaction history, statements, and account reporting through the Depositor Control Panel 

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Turn idle cash into interest-earning cash sweep funds

Insured Cash Sweep offers flexibility and convenience that may be right for you. 
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Maintain access to your cash whenever you need it
With SVB Insured Cash Sweep, you always have access to your invested funds, so you’re always covered. 
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Automate your investment program
Your cash can work for you while you work on growing your business. 
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Access SVB expertise and business insights
Go beyond banking by joining the SVB network of investment, finance and innovation experts to gain industry connections and grow your business. 

Contact us

Contact your Liquidity Advisor or Client Services at 800-774-7390
to learn more about Insured Cash Sweep.
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1 Insured Cash Sweep and ICS are registered service marks of IntraFi Network LLC.

2 Deposit placement through ICS 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 ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. Funds are swept based on triggering events set forth in the IntraFi Deposit Placement Agreement between SVB and the depositor.

3 All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes specific to this offer only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.

4 All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Terms and conditions apply

5 Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal, accounting, and other advisors and only make investment decisions on the basis of your own objectives, experience and resources. Opinions expressed are our opinions as of the date of this content only. The material is based upon information which we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such.

© 2024 First-Citizens Bank & Trust Company. Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Member FDIC.

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