Advancing Communities Together Deposit Program

Local deposits that make a difference.

PRESS RELEASE

CDBA, NBA Announce ACT Deposit Program Reaches $100 Million Milestone

Advancing Communities Together

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.

Bank Deposits with an Impact

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.

Find a Program Participant Bank by State

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Adelphi Bank

Ohio
adelphibank.com

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!

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Ohio

AllNations Bank

Oklahoma
anbok.bank

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.

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Oklahoma

American Metro Bank

Illinois
americanmetrobank.com

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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Illinois

American Pride Bank

Georgia
americanpride.bank

American Pride Bank works to close economic opportunity gaps in America by targeting high-potential areas with high-quality, responsive banking services.

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Georgia

Asian Bank

Pennsylvania
theasianbank.com

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.

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Pennsylvania

BOM

Louisiana
bofm.com

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.

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Louisiana

Banesco USA

Florida
banescousa.com

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.

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Florida

Bank of Commerce

Mississippi
bankcom.com

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

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Mississippi

Bank of Lake Village

Arkansas
bankoflakevillage.com

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.

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Arkansas

Bank of Oak Ridge

Louisiana
bankofoakridge.bank

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.

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Louisiana
St. Francisville, LA

Bank of St. Francisville

Louisiana
bsf.net

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

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Louisiana

BankFirst Financial Services

Mississippi
bankfirstfs.com

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.

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Mississippi

BankPlus

Mississippi
bankplus.net

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.

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Mississippi

California International Bank

California
calibankna.com

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

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California

Carver Federal Savings Bank

New York
carverbank.com

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.

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New York

Carver State Bank

Georgia
carverstatebank.com

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."

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Georgia

Central Bank of Kansas City

Missouri
centralbankkc.com

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.

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Missouri

Century Bank of the Ozarks

Missouri
cbozarks.com

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

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Missouri

Citizens Trust Bank

Georgia
ctbconnect.com

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

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Georgia
Washington, DC | Los Angeles, CA

City First Bank

DC
California
cityfirstbank.com

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.

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DC

Commercial Bank of California

California
cbcal.com

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

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California

Commonwealth National Bank

Alabama
ecommonwealthbank.com

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.

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Alabama

Delta Bank

Louisiana
www.deltabk.com

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

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Louisiana

Embassy National Bank

Georgia
embassynationalbank.com

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

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Georgia

FNB Oxford Bank

Mississippi
fnboxford.com

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.

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Mississippi

FNBC Bank

Arkansas
fnbc.us

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.

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Arkansas

Falcon International Bank

Texas
falconbank.com

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.

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Texas

First Eagle Bank

Illinois
febank.com

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.

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Illinois

First National Bank USA

Louisiana
fnbusa.com

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.

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Louisiana

First Southwest Bank

Colorado
fswb.com

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

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Colorado
Caruthersville, MO

First State Bank and Trust Company

Missouri
fsbtrust.com

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.

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Missouri

Freedom Bank

Texas
freedombanktexas.com

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.

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Texas

Friend Bank

Alabama
friendbank.net

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.

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Alabama

Gateway First Bank

Oklahoma
gatewayfirst.com

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.

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Oklahoma

Genesis Bank

Mississippi
genesis.bank

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.

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Mississippi

Genesis Bank

California
mygenesisbank.com

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.

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California

Gibsland Bank & Trust Company

Louisiana
gbt.bank

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.

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Louisiana

Grand Bank for Savings

Mississippi
grand.bank

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.

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Mississippi

Grand Missouri Bank

Missouri
https://grandmissouri.bank/

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.

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Missouri

Guaranty Bank and Trust Company

Mississippi
gbtonline.com

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.

Read More
Mississippi

Icon Business Bank

California
iconbusinessbank.com

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.

Read More
California

Industrial Bank

DC
industrial-bank.com

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.

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DC

Landmark Bank

Louisiana
landmarkbankla.com

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.

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Louisiana

Legacy Bank & Trust

Missouri
legacybankandtrust.com

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.

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Missouri

Liberty Bank and Trust Company

Louisiana
libertybank.net

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.

Read More
Louisiana

Local Bank

Oklahoma
bankofcherokeecounty.net

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.

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Oklahoma
Christiansburg, VA

Locus Bank

Virginia
locusimpact.org

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.

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Virginia

Lone Star National Bank

Texas
lonestarnationalbank.com

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.

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Texas

Mission National Bank

California
mnbsf.com

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.

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California

Mission Valley Bank

California
missionvalleybank.com

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.

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California

Mountain Valley Bank

Tennessee
mtnvalleybankonline.com

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.

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Tennessee

Native American Bank, National Association

Colorado
nativeamericanbank.com

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.

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Colorado

Neighborhood National Bank

California
mynnb.com

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

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California

New Millennium Bank

New Jersey
nmbonline.com/

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

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New Jersey

Optus Bank

South Carolina
optus.bank

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.

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South Carolina

Partners Bank

Arkansas
mypartners.bank

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.

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Arkansas

People's Bank of Seneca

Missouri
peoplesbankofseneca.com

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.

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Missouri

Peoples Bank

Mississippi
peoplesbank-ms.com

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

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Mississippi

Piermont Bank

New York
piermontbank.com

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.

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New York

Pike National Bank

Mississippi
pnb-ms.net

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.

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Mississippi

Planters Bank & Trust Company

Mississippi
planters-bank.com

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

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Mississippi

Ponce Bank

New York
poncebank.com

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

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New York

Priority Bank

Arkansas
prioritybank.com

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.

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Arkansas

RiverBank

Arkansas
eriverbank.com

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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Arkansas

Security Bank and Trust Company

Tennessee
securitybanktn.com

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.

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Tennessee

Security Federal Bank

South Carolina
securityfederalbank.com

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®”.

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South Carolina

Security State Bank of OK

Oklahoma
www.ssbok.com

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

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Oklahoma

Southern Bancorp Bank

Arkansas
banksouthern.com

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.

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Arkansas

Spring Bank

New York
spring.bank

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.

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New York

Stearns Banks

Minnesota
stearnsbank.com

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.

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Minnesota

Sunrise Banks

Minnesota
sunrisebanks.com

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

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Minnesota

Texas National Bank

Texas
texasnational.com

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.

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Texas

The Bank of Holly Springs

Mississippi
bankofhollysprings.com

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.

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Mississippi

The Bank of Vernon

Alabama
bankofvernon.bank

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.

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Alabama

The Citizens Bank of Edmond

Oklahoma
mycitizens.bank

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.

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Oklahoma

The Citizens National Bank of Meridian

Mississippi
yourcnb.com

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.”

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Mississippi

The Commercial Bank

Mississippi
commercialbankms.com

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

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Mississippi

United Bank

Alabama
unitedbank.com

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.

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Alabama

Unity National Bank of Houston

Texas
unitybanktexas.com

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.

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Texas

Warsaw Federal

Ohio
warsawfederal.bank

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

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Ohio

Whitesville State Bank

West Virginia
https://www.whitesvillesb.com/

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.

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Winnsboro State Bank & Trust Co.

Louisiana
bankonwsb.com

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.

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Louisiana

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