safe. secure. and here for a reason.

Since the day we opened our doors, we've earned the trust of nearly 13,000 businesses and consumers.  We've worked hard to ensure each one knows just how special they are to us. As a result, we’ve grown to become the 9th largest bank, and 4th largest Omaha-headquartered bank, in the Omaha MSA. 

Locally owned and managed
With its healthy, diverse economy, and low unemployment rate, we are proud to call Omaha home. From industry, to housing, to the commercial sectors, we continue to see strong growth across the metro. As a community bank, our Midwestern values can be seen throughout our organization, including in our balance sheet and financial standing. Our leadership team and employees are proud of the close relationships we've built with our clients. From providing the high-level service you've come to expect to maximizing the insuring of your deposits, we work hard to guard your best interests each and every day.

Well-poised and invested in Omaha

We invest wisely and have no exposure in volatile and speculative business lines. In addition, we maintain substantial capital and high loan loss reserves, allowing us to adapt to economic pressures successfully. The deposits that come into ACCESSbank are re-deployed into our community, propelling our local economy forward.

Insured Deposits

There are multiple options to be certain your deposits are insured to the maximum limits.  Together, we can review and determine which path suits you best. Not only do we offer standard insurance through the Federal Deposit Insurance Corporation (FDIC), for larger depositors, we offer Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) to extend coverage beyond the standard $250,000 amount. 
 
FEDERAL DEPOSIT INSURANCE CORPORATION (fdic)

ACCESSbank is a member of the FDIC, which covers depositors’ accounts, dollar-for-dollar. While the standard deposit insurance amount is $250,000, it’s important to know that a depositor can utilize multiple ownership categories to insure multiple deposit accounts at one institution. 

Learn More About FDIC Coverage  Calculate Your Coverage

INSURED CASH SWEEP (ICS) AND CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE (CDARS)
ICS® and CDARS® are a convenient way to access multi-million-dollar FDIC protection on large deposits, earn a return, and enjoy flexibility.
 
  • Rest assured. Even large deposits are eligible for protection  backed by the full faith and credit of the federal government.
  • Save time. Work directly with ACCESSbank. Forego opening accounts under different insurable capacities or managing multiple bank relationships. 
  • Access funds. Make unlimited withdrawals of funds placed into demand deposit accounts or up to six program withdrawals per month of funds placed into money market deposit accounts.
  • Support your community. Feel good knowing that the full amount of funds placed through CDARS can stay local to support lending opportunities that build a stronger community.1




2 When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS, our bank can use the full amount of a deposit placed through CDARS 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.

Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. 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. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.