Access Multi-Million-Dollar FDIC Insurance Coverage at participating network banks with ICS® and CDARS®.

Protect your business with access to millions in FDIC deposit insurance coverage and gain peace of mind.  

ICS (the IntraFi Cash Service℠) and CDARS (the Certificate of Deposit Account Registry Service®) are the simple, secure way to protect your association’s large deposits while working directly with us. Plus, you can earn interest and enjoy access to funds placed into either CDs using CDARS, or demand deposit accounts and money market deposit accounts using ICS.1

How it works.

Step 1

Make a deposit.

Deposits placed through ICS and CDARS are divided into amounts under the standard FDIC insurance maximum of $250,000. 

Step 2

Diversify your money.

The amounts are then placed at network banks in demand deposit accounts and money market deposit accounts with ICS, or in CDs with CDARS.

Step 3

Protect your funds.

Your association's funds are eligible for FDIC insurance while on deposit at FDIC-insured participating network banks.

With ICS® and CDARS® you won’t need a plan B.

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Get more

Breathe easier knowing your funds are eligible for multi-million-dollar FDIC insurance1 backed by the United States government. Gain peace of mind with the smart, secure, convenient way to safeguard your large deposits.

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Manage time
and money. 

Enjoy the flexibility to manage your cash flow based on your association’s individual liquidity needs. Plus, your accounts are managed by Popular Association Banking so you’ll enjoy the ease and convenience of working directly with one bank.

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Earn a rewarding

Put excess cash to good use and earn interest at a rate set by Popular Association Banking, and avoid the risks associated with prime money market mutual funds (MMMFs).

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Build communities

Take comfort in knowing your deposits can be used to help fund lending opportunities in your local community and underserved neighborhoods.1

Why choose Popular Association Banking?

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Our reputation

We have earned our reputation by meeting the special, and often complex needs of our community association clients.

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Our knowledge

We are devoted exclusively to managing financial requests from associations, and have extensive hands-on experience.

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Our commitment

We believe a superior customer experience begins with a shared set of values that must shine through at every point of contact.

Contact us to learn more.

Fill out the form below to be contacted by a PAB Relationship Manager who can help you get started.

Additional Products & Services


We make the process easy with a minimal amount of hassle, paperwork, and a quick turn around time. 


We have deposit accounts specifically geared towards community associations.  Get the most for your money.


Our automated lockbox service raises the standards and puts every aspect of the lockbox process in your control.


Our online banking service offers robust information reporting and payments modules.