High-Balance Deposit Accounts

Get full FDIC insurance protection for your deposits over $250,000.

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Protect your hard-earned money while enjoying the personalized service and support you always receive from Western State Bank. For balances higher than the $250,000 FDIC limit, we offer*:

  • Certificate of Deposit Account Registry (CDARS®)
  • Insured Cash Service (ICS®)

Using these programs lets you easily secure your funds in multiple FDIC-insured accounts with participating financial institutions, while still working directly with Western. That means you get the peace of mind you want with the excellent service you deserve.

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How it works

Western State Bank is part of the IntraFi® network of banks, which is why we're able to offer these programs.

If you have an account with a balance over $250,000, these programs allow you to:

  • Divide your funds into amounts that meet or are lower than the $250,000 FDIC limit
  • Take full advantage of FDIC insurance across all of your funds
  • Receive only one statement
  • Continue to work with Western as your primary bank

About CDARS®

  • CDs: Place funds into CDs
  • Reinvesting: Enjoy the option to reinvest funds
  • Earnings: Earn one rate for each CD maturity
  • Maturity: Choose from term options (ranging from four weeks to three years) that meet your liquidity needs

Learn More

About ICS®

  • Account Options: Place funds into checking, savings, or money market accounts
  • Interest and deposits: Earn interest on your funds and enjoy unlimited deposits without a minimum balance requirement

Learn More

Additional Benefits


  • Convenience: Whether you open an ICS® or CDARS® account, you work with Western directly. You skip the hassle of working with multiple banks to open different accounts.
  • Full insurance coverage: You can rest assured knowing your funds have full FDIC insurance coverage from the network of banks.
  • Information privacy: Both of these programs comply with all FDIC requirements. Your confidential information is not shared with the ICS® and CDARS® bank network. 
  • Account security: With either an ICS® or CDARS® account, your funds are only deposited in FDIC-insured banks. Your chosen bank will serve as the custodian of your deposits.

Learn more from IntraFi®

Watch this short video from IntraFi® to learn more about how these products work.

Watch video 

Enjoy access to millions in FDIC insurance protection for your funds.

Get started with ICS® or CDARS® today.

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