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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

IntraFi Cash Service®

With ICS®, the IntraFi Cash Service1, you can benefit from the safety and simplicity that comes with access to millions of dollars in aggregate FDIC insurance across network banks through a single bank relationship at FNBO. And ICS is not subject to floating net asset values, so you can feel secure knowing that market volatility will not negatively affect your principal.

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.  To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.

How does ICS work?

FNBO, like other institutions that offer ICS, is a member of the IntraFi network. When we place your deposit through ICS, that deposit is divided into amounts under the standard maximum deposit insurance amount of $250,000. The amounts are then placed into deposit accounts at multiple FDIC-insured banks. As a result, you can access FDIC coverage from many institutions while working directly just with us. Receive one statement from our bank and access key details about your accounts online, 24/7.

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ICS Product Benefits

Peace of Mind

Rest assured knowing that funds are eligible for FDIC insurance protection in aggregate amounts well into the millions, with FDIC insurance backed by the full faith and credit of the federal government.

Interest

Put cash balances to work in demand deposit accounts.

Liquidity

Enjoy access to funds placed through ICS into demand deposit accounts.2

Time Savings

Work directly with just us, a bank you know and trust, to access millions in aggregate FDIC insurance across IntraFi’s network of banks. Forego the need to track collateral on an ongoing basis, or to manually consolidate statements and disbursements from multiple banks.

Low Monthly Fee

Access multimillion-dollar FDIC insurance coverage for our low monthly fee of $75—no hidden fees or surprises.

Transparency

Stay confident with statements that show balances, transactions, interest, and other important details associated with your deposit accounts. Enjoy 24/7 online access to account information. Your confidential information stays protected, and your relationship remains between us.

FAQs

FNBO is a member of FDIC which means all deposits are insured per account ownership category by the FDIC up to $250,000. If you are looking to insure deposits over $250,000, consider the ICS service.

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.  To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.

No! With ICS, we place funds through the IntraFi network at other FDIC-insured institutions on your behalf, so you have visibility to all your funds through a relationship with FNBO.

Yes, you maintain access to funds placed through your ICS account into demand deposit accounts at network banks.

IntraFi Cash Service ICS is a deposit placement service offered by FNBO through the IntraFI network. IntraFI is not a FDIC-insured bank. Eligible deposits placed at participating FDIC-insured banks may qualify for expanded FDIC insurance coverage, subject to appliable FDIC rules, pass-through requirements, ownership category limits, and program terms, with our low monthly fee of $75.00, which may be waived for eligible Premier Checking accounts that meet applicable monthly maintenance requirements. Terms, conditions, eligibility requirements, and program limitations apply. Contact FNBO for complete details. 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.

1 Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals.

2 Deposits and withdrawals may be initiated on any business day but sometimes settle on the next business day. Contact your Relationship Institution to see whether same-day deposits and same-day withdrawals are available.

IntraFi, ICS, and IntraFi Cash Service are registered service marks of IntraFi LLC.

© 2026 First National Bank of Omaha (FNBO). All Rights Reserved. 1601 Dodge Street, Omaha Nebraska, 68197

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

NMLS 412727

Only deposit products are FDIC insured.

 Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE

Awards based on independent surveys and editorial methodologies for the years shown. Recognition does not imply endorsement or affiliation.