

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.
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.
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.