You open a single deposit account, and your corporate cash is placed across a network of more than 1,100 community banks that lend it back into the towns where you operate. Here is how it works, what it costs, and where the money goes.
1,100 banks, one account. You open a single account with us, and we place your deposit across a network of more than 1,100 community banks on your behalf. Your treasury team manages one relationship, and we handle the placement work behind it.
The Prosperity Initiative lets your company hold its corporate cash in a way that channels real capital into the communities where it operates. Through that one account, your deposit is spread across a network of more than 1,100 community banks, where it supports local small-business lending. Your money stays FDIC insured, stays available for daily use, and earns a competitive yield. The community benefit is built into how the deposit works, so it functions as an ordinary treasury action that also helps the host community.
We open and manage that single account for you and place your deposit across the community-bank network, so your team never opens, tracks, or reconciles individual bank relationships. We handle the placement, keep balances split into increments that stay under the FDIC coverage limit, and keep your funds available to you. You make one deposit decision, and we run the operational work behind it. For larger commitments, we can set up a custom program.
Yes. We keep your balance FDIC insured by splitting it across the network into increments under $250,000, which is the standard per-depositor coverage limit at each bank. Spread this way, a single legal entity can hold FDIC coverage up to roughly $100 million at a comparable yield. This reciprocal placement method is established FDIC practice that deposit networks have used at very large scale for more than a decade.
Yes. The program is built for daily liquidity, so you can access your funds when you need them, the way you would expect from a treasury account. Spreading the deposit across many banks keeps it fully available to you. The placement work runs in the background while your access stays intact.
There is no fixed minimum to participate, so you can start at a size that fits your treasury today and add to it over time. For larger commitments we build a custom program around your goals, and that conversation usually begins around $500 million. Either way, your team manages one relationship while we handle the placement across the network.
You earn a competitive market rate with daily access to your money, comparable to a conventional treasury deposit. We hold the rate a step below top-of-market on purpose, because a rate that smaller community banks can afford is what lets the network serve those towns and turns your deposit into local lending power. For larger commitments we tailor the program and discuss the rate with you directly.
The program costs you close to nothing. You earn a competitive yield with daily access to your money, the same as a standard treasury deposit, and we manage the placement across the network with no fee burden on your team. Your capital keeps working for you while it funds small-business lending in the communities you care about.
You decide the term. The account gives you daily access to your funds, so you can place a deposit for a defined period or keep it as a standing position, and you can add to it or draw it down as your treasury needs change. Many depositors start at a comfortable size and grow the commitment as they see the local impact. We structure the timeline around how your finance team wants to manage the balance.
Your deposit reaches community banks rooted in the towns where people live and work, and those banks turn deposits into local loans: a contractor expanding a crew, a family buying a first home, a main-street business making payroll. Spread across the network, a large deposit can support tens of millions of dollars in local lending capacity per host community, and money borrowed and spent locally tends to circulate two to four times before it leaves. Those figures are illustrative scenarios rather than promises, but they show how a treasury balance becomes real activity on the ground.
A large wave of capital is moving into specific American towns right now, driven by the data-center buildout and the return of manufacturing to the U.S. That money lands in communities that are watching wealth gaps widen, and town halls are scrutinizing large projects harder, with concerns that split between who actually benefits economically and the local strain on water and power. Putting real capital into the host community's own banks gives a company a concrete, honest answer to the question every town is now asking. The time to build that goodwill is while the projects are being decided, not after.
A grant is a donation: it is discretionary, it can be revoked, and it usually arrives after you have already chosen where to build. A deposit is a treasury action with a community story attached. Your money stays yours, earns a comparable yield, and keeps daily liquidity, while routing real capital through the host community's banks at near-zero cost to you. The same dollars that sit on your balance sheet go to work where they do visible local good.
Goodwill built on real money compounds in a way an advertising campaign cannot. Every year your deposit sits in a community's banks, it keeps funding local loans, and your company stays associated with that growth. Over a decade that becomes a durable reputation in the exact towns where you operate and seek approval to expand, earned through a verifiable financial commitment. We should be candid that the system for measuring that community impact is being built now and is not yet running, and no company has signed as the first adopter, so the early mover gets to define what this looks like and own that story first.
No. A money-center bank holds around $3 trillion in assets, so even $10 to $20 billion moving into community banks is immaterial to them. Big banks are welcome to take part in the network too. This is a treasury decision about where your deposits sit, and it doesn't pull a relationship away from anyone who matters to you.
When you deposit through this program, capital flows into the banks that lend to small businesses in the host community. As that money gets spent and re-lent locally, it can illustratively recirculate on the order of two to four times, though actual figures vary by community. That gives you a concrete local story for a town hall: the project is funding the community's own businesses. Town-hall objections tend to split between worries about money being extracted from the area and physical concerns like water and power, and a community deposit answers the first with something you can point to rather than promise.
The rate is competitive and comes with daily liquidity and FDIC coverage up to roughly $100 million per legal entity, so you keep both safety and access to your cash. We hold the rate a step below top-of-market on purpose, because a rate the smaller community banks can actually afford is what lets the network keep serving them. You earn a fair yield, the capital does real local good, and that community story becomes part of your brand. For larger commitments we'll discuss a custom program.
The Prosperity Initiative team builds the program materials and the impact story, then equips your communications and sustainability people to tell it in your own voice. You own how and when you talk about it externally, and we support you with the facts, figures, and framing behind the deposit. We speak only with your sign-off, and we won't publish on your behalf without it.
No, and the structure is the reason. A deposit routes real capital into the host community's banks at a comparable yield with daily liquidity and near-zero cost to you, and that capital lends to local businesses whether or not anyone is watching. We'll be straight with you on one point: no corporate adopter has signed yet, and the way we'll measure and report impact is a commitment we're building now rather than a track record we can already show. The mechanism is real and uses standard FDIC practice, and the published results will follow as the first deposits go to work.