Access Multi-Million-Dollar FDIC Protection

With Hyperion Bank’s access to ICS® and CDARS® programs, you can access multi-million-dollar FDIC protection by working directly with just our bank


Your Funds Can Be Insured Above Standard FDIC Protection

We leverage a network of member banks, enabling our clients to have large deposits with us broken into smaller amounts and placed with other banks that are members of this network.

Your deposits are divided into amounts under the standard FDIC insurance maximum of $250,000. They are then placed in money market deposit or savings accounts (using ICS) or in CDs (using CDARS) at multiple banks. As a result, you can access coverage from many institutions while working directly with Hyperion Bank.

You earn one rate on your investment and receive one statement for the balance remaining at Hyperion and another statement from IntraFi (our partner/this network) for the balance transferred to them, and, as always, your confidential information is protected.

This innovative solution ensures that your funds are insured above and beyond the standard FDIC protection that you already have automatically. Our participation in this network - which is not available to or through all banks - is another way we bring community banking to you.FDIC2

  • Rest assured. Know that deposits well into the millions are eligible for FDIC insurance protection. Because deposit accounts are not subject to floating net asset values, market volatility will not negatively impact principal balance.
  • Earn interest. Put cash balances to work in money market deposit accounts, savings accounts, or CDs.
  • Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forego the need to use repo sweeps, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.¹ Manage liquidity. Enjoy access to funds placed into money market deposit or savings accounts. With CD placements, select from multiple terms to meet your liquidity needs.
  • Support your community. Feel good knowing that the full amount of funds placed through ICS and CDARS can stay local to support lending opportunities that build a stronger community.²

Offer of credit subject to approval


With recent media attention about banks and the current state of the economy, this service is another great way to remind you that Hyperion Bank is positioned very favorably in the financial services sector. We continue to be well-capitalized. Safe and secure.

Please let us know if we can help you access this high-dollar- deposit protection or answer questions about it: 215-789-4200 or 404-381-2110 or


1.If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through ICS or CDARS, or a particular ICS or CDARS transaction, satisfies those restrictions.

2.When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS or CDARS, our bank can use the full amount of a deposit placed through ICS or CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

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 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.







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