Announcement Bar. Tell your user's something. Learn More.
Login
Login
Login
Login

Fully Insured Deposits, One Trusted Relationship

Access full FDIC insurance for large balances through Timberline Bank’s partnership with the IntraFi® network—without leaving the bank you trust

Protect Large Balances
Without Leaving Your Local Bank

When your balances exceed standard FDIC insurance limits, you shouldn’t have to sacrifice peace of mind—or the relationship you value. That’s why Timberline Bank offers CDARS® and ICS® accounts: to fully insure large balances without adding complexity. 

Whether you’re a business, nonprofit, or individual, you’ll work exclusively with Timberline while gaining access to millions in FDIC coverage through our partnership with the IntraFi® network. You choose what stays local—we place the rest across FDIC-insured institutions, each in amounts under $250,000 per institution and per ownership category to ensure full coverage behind the scenes. 

To you, it still feels like you’re banking with one trusted team—because you are. 

ICS & CDARS Accounts at Timberline Bank

CDARS (Certificate of Deposit Account Registry Service)

CDARS accounts are ideal for long-term, higher-balance savings. They offer CD-like returns with extended FDIC insurance coverage and none of the multi-bank management headaches.  

  • Higher interest potential for larger balances 
  • Easy to manage—feels like one CD with Timberline 
  • Terms and early withdrawal rules apply 
  • Great for institutions, nonprofits, and long-term planners 
ICS (Insured Cash Sweep)

ICS accounts are designed for customers who need liquidity and flexibility while still ensuring full FDIC insurance coverage. Excess balances are automatically swept into IntraFi’s network—so you can maintain full access to your funds with no disruption to your regular banking activity. 

  • Retain liquidity while safeguarding deposits 
  • No changes to your daily banking experience 
  • Real-time visibility via your Timberline “shadow account”  
  • Ideal for businesses and individuals who value flexibility 

Why Timberline Bank?

Community Focus
When you bank with us, you are giving back to your local community. When you work with Timberline, you work with your neighbors – not call centers.
Locals Serving Locals 
Enjoy the benefit of CDARS and ICS without leaving Timberline.
Expanded FDIC Insurance Access
As the Community Bank of the Western Slope, we work with you to understand your long-term and short-term goals, designing custom solutions to help you achieve them.

Common Questions about CDARS & ICS Accounts

What are CDARS and ICS, and how do they work?

CDARS and ICS allow Timberline to place your funds across a network of FDIC-insured banks while you work solely with us. You get one relationship, one statement, and full coverage. 

How are CDARS and ICS different from a regular savings or CD account?

CDARS offers fixed-term savings with higher yields for large balances. 

ICS keeps funds liquid and automatically sweeps excess cash beyond FDIC limits. Both protect your deposits without complicating your banking. 

Can I access my funds at any time?

Yes. ICS accounts are fully liquid, allowing daily access to your funds through your existing Timberline digital banking tools. 

CDARS follows a CD model, so funds are subject to term limits and early withdrawal penalties. Your banker will help you choose the best fit based on your liquidity needs and goals. 

Is it safe to place large deposits using these programs?
Absolutely. Timberline Bank is a trusted custodian, and IntraFi’s network includes only FDIC-insured banks. Your information and funds are handled securely, with transparent reporting and local support. 
Will I have to manage accounts at other banks?
No. One of the key benefits of CDARS and ICS is that you only interact with Timberline Bank. We handle all placement logistics behind the scenes. You receive one monthly statement, have a single point of contact, and maintain all records under your Timberline relationship. 
Who should consider CDARS or ICS?

These accounts are ideal for: 

  • Businesses or nonprofits with balances exceeding $250,000 
  • Government and municipal accounts needing secure liquidity 
  • High-net-worth individuals or private banking clients 
  • Anyone who wants FDIC insurance coverage across large balances without managing multiple accounts 
Can I see my total balance online?
Yes. ICS accounts include a “shadow account” in your Timberline digital banking dashboard that reflects your fully insured balance in real time. 
Do I need to choose the other banks where my money is placed?
No. IntraFi manages bank placement automatically within its FDIC-insured network, so you don’t have to track or manage multiple institutions. However, if you already have significant deposits elsewhere, Timberline can add an exclusion list to ensure your funds aren’t placed at those banks—helping you stay under the $250,000 insurance threshold across all accounts. 

WE'RE HERE FOR YOU

Secure More Than Just Funds

With Timberline Bank, you're not just protecting your money. You're building a stronger, smarter financial future with a team you trust. Let's simplify your large-balance banking, together. 

 

Disclaimer: CDARS and ICS are deposit placement services offered by IntraFi Network. Deposits placed through CDARS and ICS are subject to FDIC insurance limits at each destination institution. Timberline Bank is a member of IntraFi Network.