Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

IntraFi review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

IntraFi suits anyone who wants to hold US dollars with daily access and deposit insurance spread across a network of banks. It is an easy access account from a US provider, backed by FDIC up to USD 250,000 at every network bank, and it pays a variable rate that can move as market rates change.

Key facts

Best for
Holders of US dollars who want daily access with insured deposits across a bank network.
Rate type
Variable↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
Daily liquidity via demand deposit and money market deposit accounts; deposits placed with a single network institution for FDIC insurance across network banks↗
Account kind
Easy access↗
Legal entity
IntraFi LLC↗
Headquarters
United States↗
Founded
2002↗
Support channels
Phone, Help-centre↗
Official website
intrafi.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Deposits are spread across network banks for FDIC up to USD 250,000 at each one
  • Daily liquidity through demand deposit and money market deposit accounts, so you can withdraw without a fixed term
  • The rate is variable, so it follows market movements rather than locking you in
  • Support runs on phone and help centre

Cons

  • The rate is variable, so your income can fall when market rates fall
  • Your money is placed with a single network institution at a time, so the account sits inside one bank's balance until funds move
  • Support runs on phone and help centre only
IntraFi

Ready to try IntraFi?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • US dollar holders who want to move money in and out regularly
  • Savings customers who want insurance applied across many banks rather than one
  • Second person: anyone who keeps part of their savings in dollars

Who should look elsewhere

  • People who want a fixed rate, since the rate here is variable
  • Anyone saving outside the US who needs a euro or sterling account with local protection
  • Readers who prefer bunq or Wise, where the account is a single direct bank rather than a network deposit

How IntraFi compares

Where IntraFi is available

Available
United States
Licence in United States
FINRA and SIPC (member entity: Assetpoint Financial, LLC, wholly owned subsidiary of IntraFi LLC), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is IntraFi and who runs it?+

IntraFi is a US money market deposit and cash management platform, operated by IntraFi LLC from the US. Its member entity Assetpoint Financial, LLC sits under FINRA and SIPC. The business has been running since 2002.

How is my money protected?+

Deposits are spread across a network of banks, and each network bank holds your money with FDIC up to USD 250,000. Because the network places deposits across many banks rather than piling them at one, the insurance applies bank by bank.

Can I get at my money quickly?+

Yes. The account offers daily liquidity through demand deposit and money market deposit accounts, so you can withdraw whenever you need to. There is no fixed term to run out, which suits cash you may need at short notice.

Is the interest rate fixed?+

No. The rate is variable, which means it moves with market conditions. That is useful while rates climb, but your interest can also shrink if rates fall, so check the current rate before you commit more.

Who is this account for?+

It is built as an easy access account for US dollar holders, including businesses and individuals who keep part of their savings in dollars. If you want a fixed rate or a sterling or euro account, this is not the right fit.

How do I get help?+

You can reach the team on phone and help centre. That means phone support and a help centre rather than live chat or email, so if you prefer messaging you may find it less convenient.

What kind of account is it?+

It sits in the easy access category, which is the most common shape among savings accounts compared here. The daily access through demand deposit and money market deposit accounts is what sets it apart from a fixed term product.

Sources

  • intrafi.com/about-us checked September 26, 2026

    Backs: Founded

    “2002 IntraFi is founded (as Promontory Interfinancial Network) by former banking regulators”

  • intrafi.com/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Corporate Headquarters ... 1300 17th Street North Suite 1800 Arlington, VA 22209”

  • intrafi.com/depositors checked September 26, 2026

    Backs: Deposit protection, Licences

  • intrafi.com/ics-cdars checked September 26, 2026

    Backs: Access terms, Account kind, Rate type

    “Enjoy daily liquidity for funds placed through ICS into demand deposit accounts and money market deposit accounts.”

  • intrafi.com/terms-conditions checked September 26, 2026

    Backs: Legal entity

    “Welcome to the IntraFi LLC ("IntraFi") Website.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Term, Minimum deposit.

IntraFi

IntraFi

Holders of US dollars who want daily access with insured deposits across a bank network.

8.8/10See alternatives