
The Advancing Communities Together®, or ACT®, Deposit Program aims to bolster funding for community lending by making it easier for a participating bank that is a community development financial institution (CDFI) or minority depository institution (MDI) to acquire funding from impact-driven depositors. This special program within IntraFi's ICS® service was developed in cooperation with the Community Development Bankers Association (CDBA) and National Bankers Association (NBA).
Download our first annual impact report.




Your organization can access multi-million-dollar aggregate FDIC insurance across IntraFi network banks and benefit many community banks while working directly with just one.
Learn more about how your deposits can impact communities in need while supporting your investment goals.

Adelphi Bank empowers communities to build wealth by increasing financial security for all communities. As a result of their relentless effort to elevate communities, Adelphi Bank makes a difference!

AIINations Bank is a small community bank serving rural Oklahoma. Historically served the agricultural sector. Expanding our efforts to serve Native American community beginning with our owner, Absentee Shawnee Tribe.

American Metro Bank is an MDI located in Chicago, IL. Its mission is to provide superior and affordable banking products and services to those it serves with an emphasis on community support and development.
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American Pride Bank works to close economic opportunity gaps in America by targeting high-potential areas with high-quality, responsive banking services.

Asian Bank is an MDI and CDFI founded in 1999 in Philadelphia, PA. Every deposit dollar Asian Bank receives goes into funding a loan for its community members.

BOM opened its doors with $15,000 in capital when local businessmen saw a need for a financial institution in their community. BOM now serves over 30,000 customers with 19 locations and over $1 billion in assets.

Established in 2006 and based in Miami, Florida, Banesco USA operates seven locations across South Florida and Puerto Rico. As an independent Florida state-chartered MDI bank, it offers a strong foundation of financial stability and a deep understanding of the markets it serves. Its commitment to innovation and refined personalized service makes Banesco USA a reliable banking partner for all.

Bank of Commerce is a community bank based in Greenwood, MS, with nine branches servicing northern Mississippi.

Bank of Lake Village is a proud leader in the Arkansas Delta’s agricultural community, offering not only credit, but also expert counseling and direction. With their highly qualified staff, the community is ready for the advancements of tomorrow.

Bank of Oak Ridge is a Louisiana-chartered bank that began in 1910 and has proudly served Morehouse and Ouachita parishes for over 100 years. It strives to be the bank that exceeds customer expectations, encourages employee development, and contributes to the community while maximizing shareholder value.

Since 1978, BSF has supported local businesses, watched families grow, and welcomed new residents to the community it loves.

BankFirst is headquartered in Columbus, MS, with extensive corporate operations in Macon, MS. Established in 1888, it currently operates more than 40 branch locations and multiple loan production offices in Mississippi and Alabama. It has been a CDFI since 2010.

Founded in Mississippi in 1909 with locations across Louisiana, Alabama, and Florida, BankPlus is one of the largest CDFI banks in the nation focused on meeting community development needs.

California International Bank strives to provide accessible services that foster prosperity, resilience, and unity.

Carver Bank reinvests 80 cents of every dollar deposited back into its communities. Headquartered in Harlem, it is New York City’s only African American MDI and CDFI.

Founded in 1927 in Savannah, GA, the vision of Carver State Bank is "Financial Freedom For All" with a mission to "Provide the Building Blocks to Financial Freedom."

Central Bank, a certified CDFI since 1997, is focused on providing financing to low-income communities for the development of affordable housing and community services.

For the past 130 years, Century Bank of the Ozarks has been providing excellence in financial services while reinvesting in the communities we serve.

Citizens Trust is a mission-driven MDI and CDFI serving minorities and low- to medium-income communities since 1921.

City First Bank, a leading nationally chartered minority-led bank, targets at least 70% of its lending into multifamily affordable housing, community-serving not-for-profits, and small businesses in lowincome, minority-majority urban areas.

Commercial Bank of California is an FDIC-insured, full-service business committed to supporting entrepreneurs across California and empowering local communities.

Commonwealth National Bank is a nationally chartered U.S. Treasury-certified CDFI and MDI headquartered in Mobile, AL. Commonwealth is a bank for all people with a mission to make wealth common in its community.

Delta Bank promotes community development by providing access to credit and financial services to local communities.

Embassy National Bank provides superior banking services to small- and middle-market businesses and their owners.

FNB Oxford is a community bank in northern Mississippi with a mission to help improve the conditions of the residents and businesses in Oxford, Tupelo, and Water Valley by offering a full range of financial products and financial services tailored to their needs.

Located in the Ozark foothills, FNBC strives to build profitable relationships and foster economic development through financial products and customer-driven services. It empowers communities, one customer at a time.

Helping people is at the heart of everything Falcon International Bank does. It enhances customers' lives by offering affordable financial solutions to fulfill their goals, dreams, and everyday needs. Guided by faith and lead with integrity, it treats every customer like family.

First Eagle is an independent bank building community partnerships and financing economic development by cultivating long lasting relationships with its customers and communities while responding to needs in local communities.

First National Bank USA is a locally owned bank committed to its customers, which has made it the strong financial institution that it is today.

First Southwest Bank is a locally owned, independent community bank and CDFI providing access to capital, credit, and financial services to all community members.

First State Bank & Trust Co., Inc., is a locally owned financial institution and a strong, stable, and independent community bank with local management at all its locations. Its employees build relationships to deliver financial solutions through exceptional service.

Freedom Bank is a full-service financial institution, based in southern Texas, that operates with a high level of customer satisfaction in providing the products and services that the community demands and deserves.

Friend Bank is one of Alabama’s oldest family-owned community banks, focused on building relationships and serving friends and neighbors in the Wiregrass. It believes success lies in being a true friend to its employees, customers, and community.

Gateway First Bank's singular focus has been to strengthen families and communities through its work. With each phase, it has found new opportunities to build upon this vision with the solutions it offers, the service it delivers, and the way it does business.

Genesis Bank is located in Benoit Mississippi on Highway 1 in the heart of the Mississippi Delta. We specialize in small dollar loans and affordable housing for low to moderate income borrowers.

Genesis Bank is focused on serving communities across southern California and making an impact by supporting small business development, affordable housing, financial education, entrepreneurship, and digital access.

Gibsland Bank & Trust Company is an independent community bank providing high-quality financial services and technology to small businesses, consumers, and agricultural and nonprofit customers while providing a reasonable return for its shareholders. It remains an active citizen in the communities it serves, in keeping with its primary mission to promote community development in its local communities, all with a view toward improving the conditions of residents and businesses.

Grand Bank's mission is to improve the financial well-being of over one million Americans by 2030 by delivering better financial solutions, reducing debt cycles, supporting savings growth, promoting homeownership, and empowering generational wealth.

Grand Missouri Bank is a true community bank in southwest Missouri. Built on local leadership and trusted relationships, it offers tailored financial solutions to help its customers achieve their goals.

Guaranty Bank excels in financial services, enhancing community strength, and improving quality of life. Its mission prioritizes excellence, benefiting shareholders, employees, and customers through superior products.
ICON Business Bank is a community business bank headquartered in Riverside, California, serving the Southern California market and focused on providing banking services to businesses, their owners, families, and individuals.

Industrial Bank, a CDFI and 3rd-generation, family-owned MDI, has provided unique products and services with incomparable customer care to meet the needs of its communities for over 90 years.

Since 1897, Landmark Bank has existed to serve its communities and employees. It is the primary mission of Landmark Bank to promote community development and economic opportunity through the provision of financial products and services.

Legacy Bank and Trust exists to serve as the financial leader in economic and community development by providing financial products and services to local populations within its service areas.

Liberty Bank and Trust empowers local markets by delivering high-quality, customer-driven financial services, fulfilling its mission to drive economic growth and be a catalyst for community development.

Local Bank, established in 1907, is a woman- and Native-owned financial institution headquartered in Tahlequah, OK. Its mission is to multiply value through employee fulfillment, community engagement, cultural advocacy, and exceptional financial services.

Locus Bank creates access to capital through partnerships and mission-driven financial products. It is a certified CDFI, B-Corp., and FDIC-insured depository institution.

Lone Star National Bank has been at the heart of southern Texas's transformation, contributing to the growth and prosperity of a vibrant region. It takes pride in its role as a driving force behind the economic landscape of the Rio Grande Valley.

Mission National Bank was established in 1982 with a mission of serving low- to moderate-income communities. It is a community bank with excellent customer service and strong community development.

In 2001, a group came together to form the first new independent bank in the region in four years. Since then, Mission Valley has become a critical resource for the community with a focus on promoting small business development and entrepreneurship.

Mountain Valley Bank's primary mission is to promote community development in the group of communities it serves through the provision of financial products and services to residents and businesses. It strives to offer products and services with a view toward improving the conditions of the residents and businesses located in its communities.

Native American Bank, N.A., is the first nationally chartered American Indian-owned community development bank and certified CDFI. Its mission is to provide access to financial services for Alaska Native and Native American communities.

Neighborhood National Bank is a CDFI in San Diego County serving its local communities — especially small businesses — since 1997.

New Millennium Bank’s mission is to provide outstanding financial products and services to its customers, businesses, and communities.

Optus Bank is on a mission to empower its customers and communities to build wealth and live better financial lives by providing them with relationship banking services.

Headquartered in Helena, AR, on the banks of the Mississippi River, Partners Bank’s mission is to build steadfast partnerships that enrich the communities it serves throughout Arkansas, Mississippi, and Tennessee.

People’s Bank of Seneca is a tribally owned community bank in southwest Missouri dedicated to serving the local communities it operates in through personal relationships and partnerships.

Peoples Bank helps small business owners achieve their dreams. It uses innovative products and programs to provide much-needed capital to local communities.

In 2019, Piermont Bank set out to give banking a makeover, building the kind of bank that it hoped to see in the world: one that was relevant and ready to help customers meet the demands of the modern world.

With a primary focus on community reinvestment, Pike National Bank, through a portfolio of banking services, is committed to improving the quality of life and economic well-being of all citizens in its local communities while providing a safe, sound, regulatory-compliant, and ethically driven investment for its broad base of shareholders.

Planters Bank & Trust Company is a Mississippi bank that serves one of the highest poverty areas in the nation.

Ponce Bank is a MDI-, CDFI-, and SBA-certified bank and the top housing lender among CDFI banks.

Priority Bank is a high-performing bank providing the highest quality deposit and loan products, as well as customer service, through a motivated, dedicated, and experienced staff. The bank balances safety, soundness, and profitability with customer needs by serving its communities, seeking new customers, supporting employees, reducing non-interest expense, being flexible to change in the industry and economy, and maintaining the highest level of safety and soundness.

RiverBank prides itself on reinvesting deposits locally. RiverBank’s decisions are all made locally by the people most affected and informed, rather than by a committee that resides in another community.
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Security Bank and Trust Company's mission is to provide exceptional customer service, timely credit decisions, and quality products and services. It supports economic growth and community development with a focus on providing quality affordable housing units and development services to residents of its eligible markets.

Founded in 1922, Security Federal Bank's mission is to promote community development and economic growth in the areas it serves, following its tagline, “Helping People, Changing Lives®”.

Security State Bank of Oklahoma is a CDFI and MDI located in Wewoka, OK, the capital of the Seminole Nation.

One of America’s oldest CDFIs, Southern Bancorp’s mission is to create economic opportunity for people and places throughout the mid-South and beyond — with responsible, responsive, and innovative financial services.

Spring Bank, founded in the south Bronx, is a CDFI and B Corporation. It exists to create a world where all people have the opportunity to build prosperous and abundant futures for their families and communities.

Stearns Bank is a $3.2 billion, independently owned financial institution with customers nationwide. It prides itself on doing business unusual and helping customers achieve their greatest ambitions. It specializes in nationwide commercial construction lending, USDA and SBA lending, and equipment financing.

Sunrise Banks, a community bank based in St. Paul, MN, is a B Corporation focused on financial empowerment.

Texas National Bank is the first choice for clients in the Rio Grande Valley. It is dedicated to fostering economic growth and uplifting local communities.

The Bank of Holly Springs exists to help its customers achieve their financial goals and serve its branches' communities while earning its shareholders returns on their investments.

The Bank of Vernon is a CDFI serving rural western Alabama and eastern Mississippi since 1911, with a mission to improve economic conditions in its markets.

The Citizens Bank of Edmond is a nationally renowned, employee-owned community bank operating on the same downtown Edmond intersection where it was founded in 1901. It is designated as a women-owned depository institution, and it was certified as an MDI in 2023.

The Citizens National Bank of Meridian is committed to helping Mississippians obtain affordable credit and basic financial services. Its mission is that “every client has a financial plan to achieve their earthly dreams.”

The Commercial Bank, established in 1914, is a $250M institution in east central Mississippi.

United Bank operates 20 locations across five counties in southern Alabama and northwest Florida. Its mission is building strong communities by delivering innovative products and services within its broad footprint.

Unity National Bank of Houston was founded in 1963 to encourage, support, and promote homeownership and economic development across its service areas by providing financial products and services, as well as financial education, to meet the needs of the communities it serves.

Warsaw Federal is an MDI and community-based bank that provides financial services, tools, and education and invests in the success of the community.

Whitesville State Bank was chartered by community-minded individuals in June 1946 as a state bank and FDIC member. As a community leader, its goal is to meet the community’s credit needs, enhance economic and housing growth, and further the development of future prosperity while protecting the interest of its shareholders.

Enriching lives in Franklin and Richland parishes through trusted banking relationships, since 1902, Winnsboro State Bank has been committed to providing personalized solutions, fostering growth, and contributing to the prosperity of its neighbors.