CDARS^® and ICS^®

Protection for Your Savings

At Fidelity Bank, your trust and financial security are our top priorities. For clients with balances above the standard FDIC insurance limit of $250,000, we offer access to CDARS^® (Certificate of Deposit Account Registry Service^®) and ICS^® (IntraFi^® Cash Service^SM). These programs allow you to protect your full deposits while enjoying the simplicity of working with one bank you already know and trust.

Why Choose CDARS^® or ICS^®?

• Extended FDIC Insurance – Coverage for deposits above $250,000.

• Convenience – Manage everything through your Fidelity Bank relationship.

• Earnings Potential – Put your money to work while keeping it protected.

• Simplified Reporting – Easy-to-read statements summarizing your accounts.

CDARS^®: For Certificate of Deposit Investments

With CDARS^®, large CD investments are divided into smaller amounts and placed with member banks, giving you:

• The confidence of full FDIC insurance.

• Fixed interest rates for each CD term.

• A simple option to reinvest when CDs mature.

• One clear statement with all your CDARS^® details.

ICS^®: For Flexible Cash Balances

ICS^® is designed for clients who want liquidity while protecting larger balances. It provides:

• Full FDIC coverage on funds over $250,000.

• Interest on excess cash deposits.

• Ongoing access to funds when you need them.

• A consolidated monthly statement for easier tracking.