Impact Cash®

Insured cash management with impact.

What is Impact Cash®?

A more impactful cash management solution.

Impact Cash® is a cash management solution designed for FDIC and NCUA insurance coverage that provides institutions a single management point for deposits targeting positive social impact while generating returns. Impact Cash® provides flexible liquidity and the peace of mind that comes from federally insured solutions. 

Key features:

Where does my money go?

Impact Cash®. Optimized by CNote.

When you allocate your cash to Impact Cash®, CNote spreads your investment across partner banks and credit unions, optimizing for impact so you know your cash is earning a return while supporting underserved communities. Below are some examples of organizations and borrowers that have received financial assistance from Impact Cash® program partners. 

Illustrative Impact Cash® beneficiaries.

How does it work?

Simple. Insured. Impact.

Impact Cash® fills a gap for institutional investors that want to support financially underserved communities across the country while generating returns on their cash allocations. CNote invests Impact Cash® dollars in depository products, such as money market accounts and CDs, from vetted FDIC- and NCUA-insured credit unions and banks. 

In line with our mission to drive more resources to undercapitalized communities, CNote deploys Impact Cash® funds solely with institutions that target positive social impact.

To achieve a similar financial and social return without Impact Cash®, investors would have to find the right products, research them, and manage multiple accounts to maximize returns and maintain relative liquidity—something few have the bandwidth to do.

Interested in Impact Cash®?


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