ICS is a service that provides a solution for large depositors looking for additional FDIC coverage for deposit account balances that exceed the FDIC coverage limit. With ICS, large depositors can maintain multi-million-dollar FDIC-insured deposit account balances through a single financial institution.

CDARS is a service that provides a solution for large depositors looking for additional FDIC coverage for certificate of deposit account balances that exceed the FDIC coverage limit. With CDARS, large depositors can maintain multi-million-dollar FDIC-insured CD balances through a single financial institution.

Is it better for you to pay extra to reduce or pay off debt, or to put money into a savings account to build a cash cushion? Well, it depends.