Multi-Million Dollar FDIC Insurance for Your Deposits

With IntraFi® Network Deposits, you can access millions in FDIC insurance—all through a single bank relationship with Woodsville Guaranty Savings Bank, a bank you know and trust. Funds can be placed into demand deposit accounts, money market deposit accounts, or CDs.

Protection against market loss and money market mutual fund restrictions
Funds placed using IntraFi Network Deposits are not subject to floating net asset values, so you can rest assured knowing that market volatility will not negatively affect account value. No one has ever lost a penny of an FDIC-insured deposit.

Earn interest at a rate set by us
Put cash balances to work in demand deposit accounts, money market deposit accounts, or CDs.

Liquidity
Enjoy access to funds placed into demand deposit accounts and money market deposit accounts. With CD placements, select from multiple term options to meet your liquidity needs.

Time-savings and ease
Work directly with Woodsville Guaranty Savings Bank and say goodbye to managing multiple bank relationships, tracking collateral, or having uninsured deposits to footnote in financial statements.

Transparency
Stay confidently in control, with statements that show balances, transactions, interest, and other important details associated with your deposit accounts. If you place funds into demand deposit accounts or money market deposit accounts, you can enjoy 24/7 online access to account information.

Support for the local economy
When you make a large deposit with us, you can feel good knowing that your funds can be used to fund loans within your local community to help small businesses support growth, to aid nonprofits to further their missions, and to help individuals purchase homes. ¹

A smart choice
IntraFi Network Deposits is the nation’s most widely used FDIC-insured deposit product, combining the institutional strength of Wall Street with the community presence of Main Street. With IntraFi Network Deposits, you can enjoy the largest per-depositor FDIC eligibility available through a single financial relationship.

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[1] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use IntraFi Network Deposits, our bank can use the full amount of a deposit placed through IntraFi Network Deposits for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in MMDAs.  Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits and the IntraFi hexagon are service marks, and IntraFi, ICS, and CDARS are registered service marks, of IntraFi Network LLC.