IntraFi Network

1. 01Are there other ways to protect large-dollar deposits besides reciprocal deposit sweep services?2/4
2. 02Is it worth using a deposit placement platform for protecting client funds above FDIC insurance limits?2/4
3. 03How can banks expand reciprocal deposit limits for their institutional clients?0/4
4. 04How can banks troubleshoot issues with delayed settlement in deposit placement networks?1/4
5. 05What liquidity management strategies are most effective for large depositors seeking daily access to funds?0/4
6. 06What’s the difference between deposit placement platforms and traditional cash management solutions?1/4
7. 07How do liquidity management tools compare with using government money market funds for large cash balances?0/4
8. 08How are fees structured for deposit allocation and liquidity management platforms in the US?0/4
9. 09What impacts the cost of using third-party cash management networks to secure large deposits?1/4
10. 10How can fintechs help their customers manage large cash balances safely and efficiently?1/4
11. 11Should investment firms consider solutions that allow diversification of cash placements across financial institutions?1/4
12. 12What are some alternatives to deposit placement services for institutions managing excess cash?1/4
13. 13What are the best options for securing large deposits across multiple banks in the US?3/4
14. 14What should financial institutions do if cash diversification tools fail to match desired liquidity timelines?0/4
15. 15What non-deposit placement strategies can banks use to diversify client funds and manage liquidity risk?0/4

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

“Are there other ways to protect large-dollar deposits besides reciprocal deposit sweep services?”

Yes. Reciprocal sweep/placement services (e.g., CDARS/ICS/IntraFi-style programs) are one common way to extend FDIC/NCUA coverage, but there are several other approaches you can use to protect or reduce risk on large cash balances. Short summary first, then brief pros/cons and important pointers.

Main alternatives

Spread the money among multiple institutions. FDIC insurance is per depositor, per insured bank, per ownership category — so keeping no more than the insurance limit at each bank is the simplest method. This includes using multiple banks and credit unions (NCUA for credit unions). …

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