Amerant Bank Logo
  • Branch Locator
  • Contact Us
  • About Us
  • Investors
  • Español
  • Personal
    Personal Banking
    Checking
    • Value Checking
    • Interest Checking
    • Student Checking
    • Insured Cash Sweep (ICS)
    • Compare Checking
    Savings
    • Personal Savings
    • Money Market
    • Relationship Money Market
    • Certificates of Deposit
    • Individual Retirement Account CDs
    • Compare Savings
    Digital Services
    • Online Banking
    • Mobile Banking
    • ClickSWITCH®
    • Zelle® with Amerant
    • View All Digital Services
    Mortgages
    • Mortgage
    • Buy a Home
    • Refinance
    • Calculator
    • Find a Loan Officer
    • View All Services
    Loans
    • Home Equity
    • Lines of Credit
    • Unsecured Loans
    • Secured Loans
    • Compare Loans
    Credit Cards
    • Maximum Rewards® Visa Signature® Card
    • Platinum Edition® Visa® Card
    • Secured Visa® Card
    • Compare Cards
    Amerant Investments
    • Our Investments Approach
    • Products & Services
    • Building Generational Wealth
    • Our Blog
    • Get In Touch
    • About Investing
    Routing Number

    #067010509
    Bank ABA Routing Number

    #MNBMUS33
    Bank Swift Code

    Resources

    Personal FAQ's

    Amerant @Work

    Planning Your Retirement

    In The Spotlight
    Amerant supports customers during life events with CD Savings

    Article

    4.25% APY CDs
    A mobile phone using Amerant's digital calculators to calculate their potential earnings.

    Article

    See Potential Earnings Using our Digital Calculator Tool
    An Amerant customer on a laptop is easily transferring money online with ClickSwitch.

    Article

    Switch with ClickSwitch®
  • Business
    Business Banking
    Checking
    • Business Checking
    • Business Interest Checking
    • Business Advantage Checking
    • Business Edge Checking
    • Insured Cash Sweep (ICS)
    • Compare Checkings
    Savings
    • Business Savings
    • Business Money Market
    • Compare Savings
    Loans
    • Owner Occupied Real Estate
    • SBA Loans
    • HOA Loans
    • Term Loans
    • Working Capital Lines of Credit
    • Equipment Finance
    • Asset Based Lending
    • View All Loans
    Commercial Banking
    • Income Producing Loan
    • Construction Loans
    • Bridge Loans
    • Commercial Mortgage Loans
    • View All Services
    Treasury Management
    • Business Analysis
    • Business Checking Plus
    • Business Loan Sweep
    • View All Services
    Digital Services
    • Amerant TreasuryConnect SM for Small Business
    • Amerant TreasuryConnect SM
    • Zelle® Helps Businesses
    • ClickSwitch®
    • View All Services
    Credit Cards
    • Business Edition® Visa® Card with Reward Simplicity
    • Business Edition® Secured Visa® Card
    • Compare Cards
    Routing Number

    #067010509
    Bank ABA Routing Number

    #MNBMUS33
    Bank Swift Code

    Resources

    Business FAQs

    Zelle® for Your Business

    Amerant @ Work

    In The Spotlight
    A business owner reviewing their Amerant TreasuryConnect account on a tablet.

    Product

    Amerant TreasuryConnect SM,1
    A business owner greets Amerant customers.

    Article

    FDIC Insurance on deposits greater than $250K
    Two business partners applying online for a HOA loan while standing on a balcony.

    Article

    HOA Reserve Banking
  • International
    International Banking
    Personal
    • International Checking
    • International Savings
    • Certificates of Deposits (CDs)
    • Insured Cash Sweep (ICS)
    • View All Services
    Business
    • International Checking
    • International Savings
    • View All Services
    Loans
    • Secured Loans (Intl)
    • Securities Secured Loans (Intl)
    • Secured Lines of Credit (Intl)
    • Securities Secured Lines of Credit (Intl)
    • View All Loans
    Digital Services
    • Online Banking
    • Mobile Banking
    • Zelle® with Amerant
    • Overdraft Protection
    • Bill Pay
    • Positive Pay Service
    • ACH Positive Pay
    Amerant Investments
    • Our Investments Approach
    • Products & Services
    • Investing in the U.S.
    • Our Blog
    • Get In Touch
    • About Investing
    Routing Number

    #067010509
    Bank ABA Routing Number

    #MNBMUS33
    Bank Swift Code

    Resources

    FAQs

    In The Spotlight
    An international family is supported by Premier Checking services from Amerant.

    Article

    International Premier Checking
    A business owner greets Amerant customers.

    Article

    FDIC Insurance on deposits greater than $250K
    Pedro Parra, Amerant Bank’s Head of International Business featured in Global Miami

    Article

    Amerant Bank’s Head of International Business featured in Global Miami
  • Private Client
    Private Client Banking
    Our Approach
    • Meet Our Team
    • Private Client Experience
    Tailored Services
    • Deposit Solutions
    • Lending Solutions
    • Residential Mortgages
    • Wealth Management
    • Trust Services
    • Sports & Entertainment Banking
    • View All Tailored Services
    Our Clientele
    • Who We Serve
    Insights
    • 'Of Interest' Blog

    *These services are not FDIC or any other Government Agency Insured | Are Not Deposits Guaranteed | May lose value

    Routing Number

    #067010509
    Bank ABA Routing Number

    #MNBMUS33
    Bank Swift Code

    Resources

    Private FAQs

    Investment Services

    Trust Services

    Education Services

    Retirement Services

    In The Spotlight
    Tairis Alsina, EVP, Head of Private Client, featured in Hola Latinos magazine.

    Article

    Tairis Alsina, EVP Head of Private Client, featured in Hola Latinos
    Many hands holding a football up high reflects Amerant's support and Concierge-Level Service.

    Article

    Sports & Entertainment Banking
    A business owner greets Amerant customers.

    Article

    FDIC Insurance on deposits greater than $250K
  • Sign In

    Amerant Online BankingSM

    Forgot Password?
    Enroll in Online Services

    Login

    Login to TreasuryConnect

    Investing Login

    Amerant Smart Investing

    Online Investments

    Amerant Mobile App

    Bank from anywhere

    Learn more

    Download from GooglePlay Download from AppStore
Amerant Bank Logo
  • Personal

    Personal Banking
    Checking
    • Value Checking
    • Interest Checking
    • Student Checking
    • Insured Cash Sweep (ICS)
    • Compare Checking
    Savings
    • Personal Savings
    • Money Market
    • Relationship Money Market
    • Certificates of Deposit
    • Individual Retirement Account CDs
    • Compare Savings
    Digital Services
    • Online Banking
    • Mobile Banking
    • ClickSWITCH®
    • Zelle® with Amerant
    • View All Digital Services
    Mortgages
    • Mortgage
    • Buy a Home
    • Refinance
    • Calculator
    • Find a Loan Officer
    • View All Services
    Loans
    • Home Equity
    • Lines of Credit
    • Unsecured Loans
    • Secured Loans
    • Compare Loans
    Credit Cards
    • Maximum Rewards® Visa Signature® Card
    • Platinum Edition® Visa® Card
    • Secured Visa® Card
    • Compare Cards
    Amerant Investments
    • Our Investments Approach
    • Products & Services
    • Building Generational Wealth
    • Our Blog
    • Get In Touch
    • About Investing
  • Business

    Business Banking
    Checking
    • Business Checking
    • Business Interest Checking
    • Business Advantage Checking
    • Business Edge Checking
    • Insured Cash Sweep (ICS)
    • Compare Checkings
    Savings
    • Business Savings
    • Business Money Market
    • Compare Savings
    Loans
    • Owner Occupied Real Estate
    • SBA Loans
    • HOA Loans
    • Term Loans
    • Working Capital Lines of Credit
    • Equipment Finance
    • Asset Based Lending
    • View All Loans
    Commercial Banking
    • Income Producing Loan
    • Construction Loans
    • Bridge Loans
    • Commercial Mortgage Loans
    • View All Services
    Treasury Management
    • Business Analysis
    • Business Checking Plus
    • Business Loan Sweep
    • View All Services
    Digital Services
    • Amerant TreasuryConnect SM for Small Business
    • Amerant TreasuryConnect SM
    • Zelle® Helps Businesses
    • ClickSwitch®
    • View All Services
    Credit Cards
    • Business Edition® Visa® Card with Reward Simplicity
    • Business Edition® Secured Visa® Card
    • Compare Cards
  • International

    International Banking
    Personal
    • International Checking
    • International Savings
    • Certificates of Deposits (CDs)
    • Insured Cash Sweep (ICS)
    • View All Services
    Business
    • International Checking
    • International Savings
    • View All Services
    Loans
    • Secured Loans (Intl)
    • Securities Secured Loans (Intl)
    • Secured Lines of Credit (Intl)
    • Securities Secured Lines of Credit (Intl)
    • View All Loans
    Digital Services
    • Online Banking
    • Mobile Banking
    • Zelle® with Amerant
    • Overdraft Protection
    • Bill Pay
    • Positive Pay Service
    • ACH Positive Pay
    Amerant Investments
    • Our Investments Approach
    • Products & Services
    • Investing in the U.S.
    • Our Blog
    • Get In Touch
    • About Investing
  • Private Client

    Private Client Banking
    Our Approach
    • Meet Our Team
    • Private Client Experience
    Tailored Services
    • Deposit Solutions
    • Lending Solutions
    • Residential Mortgages
    • Wealth Management
    • Trust Services
    • Sports & Entertainment Banking
    • View All Tailored Services
    Our Clientele
    • Who We Serve
    Insights
    • 'Of Interest' Blog

    *These services are not FDIC or any other Government Agency Insured | Are Not Deposits Guaranteed | May lose value

    • Español
    • Branch Locator
    • Contact Us
    • About Us
    • Investors

    #067010509
    Bank ABA Routing Number

    #MNBMUS33
    Bank Swift Code

    Sign In

    Amerant Online BankingSM

    Forgot Password?
    Enroll in Online Services

    Login

    Login to TreasuryConnect

    Investing Login

    Amerant Smart Investing

    Online Investments

    Amerant Mobile App

    Bank from anywhere

    Learn more

    Download from GooglePlay Download from AppStore
    Home / Business / Business Checking / Insured Cash Sweep (ICS)
    A business owner greets clients outside a commercial budling.

    Amerant Protection+

    Use ICS®, The IntraFi Cash Service®, and CDARS®

    Access multi-million-dollar FDIC insurance at network banks, backed by the full faith and credit of the federal government. Accounts are easily accessible while providing a competitive return. Save time by working directly with Amerant Bank versus manually opening accounts at multiple banks. Place your funds in Demand Deposit accounts or Money Market Deposit Accounts using ICS, and in CDs with CDARS.


    *A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.
    View Our Current Rates
    Start Now

    ICS and CDARS Benefits

    FDIC Insurance

    Through ICS and CDARS, depositors access millions of dollars in aggregate FDIC-insurance across network banks. Eliminating risk via the full faith of the federal government.

    Earn Interest

    Funds are placed through ICS into demand deposit accounts and money market deposit accounts and in CDs with CDARS, that are interest-earning accounts. Deposits placed into money market deposit accounts through ICS allows six withdrawals per month.1

    Easy Access to Your Funds

    Get flexible access to your funds via unlimited withdrawals on deposits placed through ICS into demand deposit accounts. See account balances and accrued interest, 24/7, with an online dashboard.

    Easy to Get Started

    Contact our relationship managers today for detailed information on how to open this type of account. We’ll walk you through what’s needed to get started. Start Now

    Trusted Name

    Bank with Amerant, a trusted name for over 40 years working and re-investing in the communities that we serve.

    Place Your Funds in CD accounts with CDARS®

    With CDARS, customers can place their funds into CDs and access multi-million-dollar FDIC insurance at network banks.

    Choose Your Product

    Featured

    ICS® Demand Deposit Account

    ICS® Demand Deposit Account

    Featured

    ICS® Money Market Deposit Account

    ICS® Money Market Deposit Account

    Featured

    CDARS®

    CDARS®

    View How ICS® and CDARS® Work

    Amerant Bank has partnered with IntraFi to provide ICS® and CDARS® accounts to our customers. Get the benefit and security of FDIC insurance for deposits over $250,000.

    View the video and learn about the advantages of ICS® and CDARS® account powered by Amerant Bank.

    Know the Difference

    AMERANT PROTECTON+

    IntraFi Cash Service®

    With ICS, the IntraFI Cash Service, your funds are placed into demand deposit accounts (checking accounts) and/or money market deposit accounts at multiple FDIC insured banks participating in the network. The funds are split into amounts under the standard FDIC insurance maximum of $250,000 to access millions in aggregate FDIC insurance across network banks while working through a single bank relationship.

    Learn More
    View Our Current Rates

    AMERANT PROTECTION+

    CDARS®

    With CDARS, the Certificate of Deposit Account Registry Service, you place your funds into CD accounts at multiple FDIC insured banks participating in the network. The funds are split into amounts under standard FDIC insurance maximum of $250,000 to access multi-million-dollar FDIC insurance at network banks.

    Learn More
    View Our Current Rates

    Your FAQs About ICS® Deposit and Money Market Deposit Accounts and CDARS® Accounts

    With ICS®, funds are placed through ICS® into demand deposit accounts and money market deposit accounts access multi-million-dollar FDIC insurance at network banks.

    With CDARS®, customers can place their funds into CDs and access multi-million-dollar FDIC insurance at network banks.

    When you place your funds through ICS account at Amerant, in demand deposit accounts and money market deposit accounts at multiple FDIC insured banks participating in the network. The funds are split into amounts under standard FDIC insurance maximum of $250,000. Amerant is the custodian of your funds and you will have access to a monthly statement with all of your account activities and balances.

    When you place your funds with a CDARS account at Amerant Bank, your deposits are divided into amounts under the standard FDIC insurance maximum of $250,000 and are placed in CDs at network banks.1 Amerant is the custodian of your funds, and you will have access to a monthly statement with all of your account activities and balances.

    The ICS and CDARS service at Amerant is built with convenience and simplicity in mind. You will not have to fill out multiple paperwork with multiple banking institutions. You simply maintain one single bank relationship.

    Any funds placed through ICS and CDARS is placed in other FDIC-insured institutions in the network. Amerant will act as the custodian of your deposits

    Yes. You earn interest on excess cash balances by placing funds either into a demand deposit account or money market deposit account with ICS or CD accounts with CDARS.

    There is no fee in using the ICS or CDARS service.

    There is no limit for frequency of withdrawals with a demand deposit account. For the money market deposit account there is a limit of six (6) withdrawals per month. If you exceed the six withdrawals per month, your account is placed in review.

    On the remote chance of a bank failure, the bank’s accounts will be moved to a healthy institution. The approach is preferred by the FDIC. If the FDIC cannot transfer funds to a healthy institution, it will arrange payment of insured principal and accrued interest to depositors.

    Penalties for early withdrawals may apply.

    See MoreSee Less

    Connect with a Bank Representative



    Steps to open an ICS® or CDARS® account:

    1
    Step 1 | Fill out the contact form to speak to a relationship manager
    2
    Step 2 | Provide documentation (SSN, date of birth, and employment information)
    3
    Step 3 | Fund your account

    1 At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Money Market accounts are allowed 6 (six) withdrawals within a calendar month. If that is exceeded, the account transactions are placed in a review and activities may be suspended during this review period.

    Deposit placement through IntraFi services 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 ICS satisfies any restrictions on its deposits. Fees may reduce earnings.

    A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi, CDARS, ICS, and IntraFi Cash Service, are registered service marks of IntraFi Network, LLC

    USA PATRIOT Act

    To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

    Important Notice Regarding Wire Transfers

    IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS.

    We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure, Funds Transfer Agreement and contract.

    Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” and Electronic Signature Agreement (E-sign Agreement) to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated.

    For fees related to this service, review our Miscellaneous Service Fees Schedule

    Understanding Your Deposits

    IMPORTANT FUNDS AVAILABILITY INFORMATION

    Please review Amerant’s Understanding Your Deposit brochure.

    Know Your Customer

    Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.

    IntraFi Cash Service

    ICS DDA

    Balance APY*
    Less than $249.9k .25%
    $250k to $2.5MM 1.75%
    $2.5MM to $9.9MM 2.25%
    10MM and Above 2.75%

    *Annual percentage yield (APY) is accurate as of 05/01/2025. Rates are subject to change without notice. IntraFi Cash Service is designed for customers requiring 100% FDIC Insurance of their holdings at Amerant Bank. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS Deposit Placement Agreement, that you enter into with us. Limits and customer eligibility criteria apply. ICS is a registered service mark, IntraFi Cash Service is a service mark of IntraFi Network LLC.

    ICS MMDA

    Balance APY*
    $250K to $2.5MM 1.75%
    $2.5MM to $9.9MM 2.25%
    $10MM and above 2.75%

    *Annual percentage yield (APY) is accurate as of 05/01/2025. IntraFi Cash Service is designed for customers requiring 100% FDIC Insurance of their holdings at Amerant Bank. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS Deposit Placement Agreement, that you enter into with us. Limits and customer eligibility criteria apply. ICS is a registered service mark, IntraFi Cash Service is a service mark of IntraFi Network LLC.

    CDARS

    Balance APY*
    1 Month 1.35%
    3 Months 1.35%
    6 Months 3.35%
    12 Months 3.35%
    24 Months 3.35%
    36 Months 3.35%

    *Annual percentage yield (APY) is accurate as of 05/01/2025. IntraFi Cash Service is designed for customers requiring 100% FDIC Insurance of their holdings at Amerant Bank. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS Deposit Placement Agreement, that you enter into with us. Limits and customer eligibility criteria apply. ICS is a registered service mark, IntraFi Cash Service is a service mark of IntraFi Network LLC.

    logo
    Our Company
    • About Us
    • Careers
    • Sports Partnerships
    • Investor Relations
    • Management Team
    • Newsroom
    • Making an Impact
    • Empowering Our People
    Help Center
    • Bank Holidays
    • FAQ
    • Contact Us
    • Locations Directory
    • Security Center
    • Sitemap
    Legal
    • Privacy Notice
    • Terms and Conditions
    • Accessibility
    • Social Media Disclosures
    Contact Us
    • (305) 629-1200
      M-F: 7:00 AM – 8:00 PM EST
      S-S: 8:00 AM – 5:00 PM EST
    • questions@amerantbank.com
    Routing Numbers
    • #067010509
      Bank ABA Routing Number
    • #MNBMUS33
      Bank Swift Code
    Social
    • Twitter
    • LinkedIn
    • Facebook
    • Instagram
    • YouTube
    • 'Of Interest' Blog

    Member FDIC. Equal Housing Lender Equal Opportunity Housing Logo

    The entire contents of this website are subject to copyright protection. The content available on this Website is the property of Amerant Bank, N.A., Amerant Investments, Inc., or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

    This site uses cookies and other tracking technologies to assist with navigation and your ability to provide feedback, analyze your use of our products and services, assist with our promotions and marketing efforts.

    Banking products and services are provided by Amerant Bank, N.A. Member FDIC. Equal Housing Lender – NMLS ID #432244.
    Amerant Investments, Inc (Amerant Investments)is  a dually registered broker-dealer and investment adviser registered with the Securities and Exchange Commission (SEC) and member of FINRA/SIPC. Amerant Investments is an affiliate of Amerant Bank N.A.

    Investment Services are provided by Amerant Investments.

    Rule 606 Disclosure of Order Routing Practices.

    Check the background of Amerant Investments on FINRA’s BrokerCheck

    View our Client Relationship Summary Form (CRS)

    Investments are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May lose value

    Trust services offered through Amerant Bank, N.A. and are limited to trust administration.


    © Amerant 2025
    Equal Opportunity Housing Logo Federal Deposit Insurance Corporation Logo

    You are Leaving the Amerant Website

    Amerant website contains links or references to other websites. Amerant does not endorse, approve, certify, or control those external sites and does not guarantee their information’s accuracy, completeness, efficacy, timeliness, or accurate sequencing.

    You are now leaving the Amerant website, and we are not responsible for the privacy practices or content of these linked websites.

    You will not navigate away from this page; your link will be opened in a new tab.

    Continue

    This site uses cookies that allow us to collect the information we use for different purposes, including personalizing your experience, enhancing security, and facilitating navigation. We do not use cookies that capture personal information. You can reject these cookies in the .

    The Amerant logo.
    Powered by  GDPR Cookie Compliance
    Privacy Notice

    Please see here for our Privacy Policy.

    Strictly Necessary Cookies

    Strictly Necessary Cookies should be enabled at all times so that we can save your preferences for cookie settings and the website is able to function.

    If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.

    3rd Party Cookies

    This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. Keeping this cookie enabled helps us to improve our website.

    Please enable Strictly Necessary Cookies first so that we can save your preferences!