Liquidity Program

Your Bank’s Liquidity Needs. Simplified.

Smart, Reliable Solutions
for Short-Term Funding

The ICBSD/ICBND Cooperative Liquidity Program connects community banks, creating a trusted network for short-term funding solutions. Whether your bank has excess liquidity or needs immediate access to funds, this program ensures you’re supported—without extra fees or unnecessary obligations.

Why Join The Liquidity Program?

  • 1

    Effortless Connections:

    We provide a seamless communication link between banks with available liquidity and those with funding needs.

  • 2

    No Obligations:

    Participation is entirely voluntary—terms are negotiated directly between banks.

  • 3

    No Fees:

    The program is completely free to use, making it a cost-effective solution for managing short-term liquidity.

  • 4

    Proven Reliability:

    Regular testing ensures the program is effective and that funds are readily available when you need them.

  • 5

    Broad Network:

    Open to all ICBSD and ICBND member banks, expanding your access to resources and support.

How It Works

If your bank needs emergency funding, simply utilize our quick and easy communication template to connect with program members.

Download the Template