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fdic FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Routing Number: 072402652
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Secure Savings Solution

Secure Liquidity with Insured Cash Sweep (ICS®)

Access full FDIC insurance coverage while keeping your large business deposits liquid with ICS at Independent Bank. 
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Why Choose ICS For Your Business Savings?

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Full FDIC Insurance

Get the highest level of FDIC protection, no matter how large your deposit. 
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Maintain Liquidity

Access your funds at any time without sacrificing FDIC protection.
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Simplified Experience

Work directly with Independent Bank and access one consolidated statement.
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Support Local Growth

Keep your deposits local, helping us fund more loans and invest in your community.
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Let our team of experts help you find the right solutions to support your business growth and financial goals.

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Insured Cash Sweep (ICS) FAQs

Answers to Common Questions About ICS

How does ICS provide FDIC insurance for large deposits?
ICS breaks your large deposits into smaller increments and places them with multiple banks within the ICS network, ensuring full FDIC insurance coverage.
Do I need to manage multiple bank accounts to use ICS?
No. With ICS, you only need to maintain your relationship with Independent Bank, while accessing insurance through multiple banks.
Is there a minimum deposit requirement for ICS?
Yes, ICS is designed for large deposits. Contact us to learn about the minimum requirements for your business.
Can I access my funds whenever I need them?
Yes, ICS is designed to offer liquidity, allowing you to access your funds whenever needed without compromising FDIC coverage.
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