Your Growth is Our Mission

CNote technology unlocks access to new capital and partnerships for community-focused depository organizations

What Is The Promise Account Program?

The Promise Account: Connecting You to Impact Investors

The Promise Account Program connects corporations and other impact investors to institutions like yours that work deep in their communities to affect positive change for their members and customers. CNote capital comes at no cost to our community partners via deposits into your organization’s existing CDs and Money Market offerings.

  • Build direct connections to a network of new impact investor capital through a single touchpoint, CNote
  • CNote investors are deeply committed to economic justice and community development
  • Because of that alignment, CNote investors are more willing to offer lower interest rates and longer commitment periods
  • Get the opportunity for deeper engagement with leading Promise Account Investors like PayPal and Mastercard
  • Zero-fee program that prioritizes long-term community impact

Program Highlights

Flow chart showing how CNote supports community depository partners

Industry Partners Include

We’re invested in your growth

New Partner, New Opportunities

CNote’s mission is to close the wealth gap by drastically increasing the capital flows into communities across America. We do that by partnering with leading community lenders, like your organization, that deliver on the promise of a more inclusive economy. Our goal is to provide affordable, mission-aligned capital, while opening the door to deeper engagement.

  • New source of deposits
  • Growth capital opportunities
  • Visibility and partnership opportunities
  • New member opportunities
  • Lower administrative burden with account opening and reporting
What Is CNote?

CNote: Committed to Community Development

CNote takes a community-first approach in its role as a capital intermediary. We work to ensure that Depository Institutions (DIs) can expand the reach of the great work they do on their terms. With technology at the heart of our partnership, we create efficiencies and take the burden off of your organization.

Benefits to Your Organization

Cheaper Deposits

No setup, service or management fees

Faster Access

Instead of spending months building investor relationships, capital can be sent in just a few days

Stickier Deposits

Impact-focused deposits are longer-term and less transactional

Deeper Partnerships

Ongoing collaboration with large impact investors and corporations can lead to future funding opportunities like equity and secondary capital

Increased Visibility

CNote advocates for the industry and its partners, brand awareness activities include media campaigns, case studies, and webinars

Learn More About Being a CNote Deposit Partner

Common Program Questions

Are these deposits considered brokered deposits?

No, for several reasons but primarily:

  • CNote does not market-specific products/rates or institutions to clients.
  • CNote places customer funds in transactional accounts at your FI, and does not receive fees, interest, or other remuneration by the FI.

Who are CNote’s clients?

Clients are primarily large corporations like PayPal, Mastercard, and others.

Non-corporate clients include foundations, donor-advised funds, and high net-worth individuals.

What are the basic terms of CNote Promise Account capital?

CNote’s Promise Account dollars are matched to your Depository Institution’s (DI) preferred depository product terms and offered rates.

What amount of capital are we eligible for?

We will work with you to determine the DI’s total amount of capital that you will be eligible to receive and we invite you to share with us what your needs are.

I have another question, who can I speak to?

You can use the form below to get connected with a CNote team member who will explain the program in more detail. Or, you can contact Stacy Zielinski, CNote’s Community Development Director, at