Looking for a way to protect your deposits beyond the standard $250,000 in FDIC coverage? 

With The Callaway Bank’s extended FDIC coverage, you can access multi-million-dollar deposit insurance through its IntraFi suite of solutions. Your funds are protected from market volatility while earning a competitive rate from The Callaway Bank. 

Enjoy the safety and simplicity that comes with access to extended FDIC insurance through a single bank relationship. You can choose the service or combination of services that can offer the returns and access to funds you seek.

Enjoy Peace of Mind

Enjoy the peace that comes from knowing your funds are protected through extended FDIC insurance that’s backed by the full faith and credit of the federal government.  

Earn Interest  

Whether you choose a money market or Certificate of Deposit, all your funds will earn interest while being insured. 

Access Funds 

With our extended FDIC coverage, you’ll still maintain access to your funds the same way you do with a money market or CD, based on the account terms. 

Save Time 

Work directly with just The Callaway Bank to access extended FDIC insurance and save the time it would take to negotiate with multiple banks and manage several accounts. 

Support Your Community 

Feel good knowing that the full amount of your funds placed through the IntraFi network will stay local to help support lending opportunities that build a stronger community. 

How Does IntraFi Work? 

When The Callaway Bank places your funds through the IntraFi service, your excess deposit is divided into amounts under the standard FDIC insurance maximum of $250,000 per owner. The funds are then placed in demand deposit, money market, or CD accounts at IntraFi networked banks. At the same time, those network banks send matching deposits back to The Callaway Bank, thereby keeping the total dollar amount local but spreading your funds among multiple institutions. As a result, you receive FDIC coverage for all your deposits while working directly with just one bank. Watch this video for additional information.


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Deposit placement through CDARS or 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 CDARS or 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. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.