Insured Cash Sweep

The security of FDIC Insurance with deposits larger than $250,000

Have peace of mind knowing your cash and savings is protected and backed by the FDIC. Whether you have $250,000 or millions, your money will be safe with the Insured Cash Sweep (ICS) service at Capitol Federal®.

When your checking or money market balance exceeds a specific balance the excess funds are transferred (swept) into either an interest-bearing checking or money market account at other FDIC insured banks within the ICS Network.  Funds are automatically returned to the checking or money market account as needed by the Bank.

With the ICS Service, you can:

Earn interest. Put excess cash balances in your Capitol Federal account to work in either an interest-bearing checking or money market account.

Maintain access to funds. Access funds through unlimited program withdrawals using the ICS checking option, or up to six program withdrawals per month using the ICS money market savings option.

Enjoy peace of mind. Your ICS funds are on deposit in regulated, FDIC-insured institutions that are participating members of the ICS Network.

Save time. Work directly with Capitol Federal - your trusted banking partner.

For more information about an Insured Cash Sweep, call our Business Banking team at 1-888-8CAPFED.


Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements that you enter into with us, including the ICS Deposit Placement Agreement. Limits and customer eligibility criteria apply. Program withdrawals are limited to six per month when using the ICS savings option. Insured Cash Sweep and ICS are registered service marks of Promontory Interfinancial Network, LLC.


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Ask about opening a business account at any of our branch locations. Enter your zip code to find a CapFed® branch nearest you. 


Have questions about Business Banking? Contact a Business Banker.

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