IntraFi review

Deposits are placed with a single network institution and spread across network banks, so protection rests on FDIC up to USD 250,000. Because the money is divided across the network, one bank's balance carries less than the whole amount, and the network is the counterparty for access.

Yes. The easy access accounts provide daily liquidity through demand deposit and money market deposit accounts, so money can be drawn on a business day rather than held to a term. The rate is variable, so the interest on the balance moves as well.

The rate type is variable, so the interest follows policy rate decisions instead of being set in advance. For a business holding operating cash, that cuts both ways: the balance earns more when rates rise and less when they fall, and the money stays available throughout.

The network is regulated through FINRA and SIPC, with Assetpoint Financial, LLC named as the member entity and a wholly owned subsidiary of IntraFi LLC. Client deposits carry FDIC up to USD 250,000, and the accounts sit with network banks in the US market.

IntraFi is IntraFi LLC, headquartered in the United States and founded in 2002, so the operation is a US one. The accounts hold cash with a network institution in that same market, and support for depositors runs on phone and help centre.

Support runs on phone and help centre, so a depositor can call or find answers in a help centre. Questions about the network, the account terms or the access terms are the kind that fit both routes, and phone help suits anything time sensitive about a deposit.

The account is easy access, and the access terms are built around daily liquidity, which points to business and institutional cash rather than long term saving. Support runs on phone and help centre, and the operator is IntraFi LLC in the United States.

The balance is held with a network institution rather than with IntraFi, and the network banks together provide FDIC up to USD 250,000. The rate is variable, so the interest follows the market, and the easy-access structure keeps the money available day to day.