Category: Corporate Treasury
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The Geography of Corporate Cash
Pull up almost any large company’s impact report and you’ll find a map: cities where employees live, communities where the foundation gives, regions with long-term supplier or facility commitments. Pull up the same company’s cash portfolio and that map disappears entirely, even though every dollar in it sits at a specific bank, in a specific…
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Where Your Deposits Are Held: The Infrastructure Behind Impact Cash®
When a treasury team evaluates a new place to put operating cash, yield is only part of the equation. A more fundamental question comes first: Where are the funds actually held, and how are they managed at each step? Impact Cash® is a cash management solution that places institutional deposits with federally insured community financial…
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Why Corporate Treasury Teams Are Moving $10M to $50M+ Into Impact Cash®
Corporate treasury has always been guided by three priorities: preserve principal, maintain liquidity, and generate competitive returns. Today, a fourth consideration is entering the conversation.Boards, investors, employees, and communities increasingly expect organizations to demonstrate that all capital, including operating cash, aligns with the commitments outlined in sustainability reports, community investment initiatives, and corporate responsibility programs.…
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AFP Boston 2025 Recap: How AI, Data, and Human Insight Are Shaping the Future of Treasury
The conversations at AFP Boston 2025 were centred on progress measured not just by technological advancement, but by how thoughtfully treasury teams are adapting to it. This year’s dominant theme was clear: AI isn’t replacing human expertise, it’s amplifying it. AI Humility: Progress with Perspective Artificial intelligence took center stage, but in a refreshingly grounded…
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Why Reciprocal Deposit Networks Deserve a Second Look: Insights from the Dallas Fed
Banks, depositors, and regulators alike are grappling with how to modernize deposit insurance in an era of larger balances, diversified banking relationships, and evolving risks. A recent Dallas Fed analysis, “How do reciprocal deposit networks interact with deposit insurance?”, provides strong incentive for rethinking how regulators should treat banks that participate in reciprocal deposit networks.…
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What Is a CDFI and Why Should Corporate Treasurers Care?
What is a CDFI? Corporate treasurers are tasked with safeguarding liquidity, preserving capital, and managing risk in a rapidly shifting financial landscape. While large national institutions remain the default for many, Community Development Financial Institutions (CDFIs) offer an alternative that combines federally insured safety with diversification benefits. Certified by the U.S. Department of the Treasury,…
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How Companies Can Support Affordable Housing Through Cash Management
When companies consider cash management, their primary focus is typically on safety, liquidity, and yield. But cash can do more than sit in a low-yield account or a money market fund. By placing deposits with community-focused banks and credit unions, companies can keep their money safe while also supporting critical needs like affordable housing. It’s…
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How Do Companies Place Cash with CDFI Banks and Credit Unions?
When most companies think about where to keep their cash, the usual suspects come to mind: large national banks or short-term money market funds. But there’s another option that more organizations are beginning to explore: placing deposits with Community Development Financial Institution (CDFI) banks and credit unions. These mission-driven institutions don’t just safeguard deposits. They…
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What a September Rate Cut Could Mean for Your Corporate Cash And Why You Should Prepare Now
August 2025: The Calm Before the Cut The Federal Reserve is widely expected to cut interest rates for the first time in over two years at its September 16–17 meeting, likely by 0.25% (25 basis points) (source: Federal Reserve). Fed officials have hinted that a larger cut is unlikely, especially after July’s hotter-than-expected producer price…
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How It Works: Making Your Cash Work Harder With CNote’s Impact Cash® Program
In today’s environment, managing cash isn’t just about maximizing returns. Institutions are increasingly seeking ways to align idle funds with financial goals while creating meaningful outcomes in local communities. CNote’s Impact Cash® program provides a streamlined path to do just that with full insurance, flexibility, and visibility into how deposits support real-world change. What Is…