Insured Cash Sweep - FDIC Insurance Get the peace of mind you need, knowing your money is safe.

ICS® Insured Cash Sweep — is a smart, convenient way for Heartland Bank customers to access multi-million-dollar* FDIC protection on large deposits, earn a return, and enjoy flexibility.

If you are concerned about FDIC insurance, learn more to see if ICS® could be right for you:

  • Rest Assured. Make even large deposits eligible for protection that’s backed by the full faith and credit of the federal government. With our ICS account, your balances over $250,000 are fully insured by FDIC.
  • Earn Interest. Put excess cash balances to work by placing funds into ICS deposit accounts.
  • Save Time. Work directly with just our bank—a bank you know and trust. Forego managing multiple bank relationships and receive just one monthly statement summarizing your account activity and balances. Your money stays local, with a bank you can trust. 
  • Access Funds. Make unlimited withdrawals of funds placed in ICS deposit accounts, or set-up a sweep to or from your current Heartland Bank checking account.

Get started with your one-stop solution for protecting your large cash balances and get the peace of mind you deserve. Bank Safe, Bank Smart®.

Contact Your Local Heartland Bank Branch Today!

*Heartland Bank’s ICS program provides FDIC insurance coverage for up to $125 million of your deposit balance. Some limitations may apply.

Deposit placement through 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 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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