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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Smart, Secure Banking for Community Development Financial Institutions.

Mission-Aligned Banking Built for CDFIs

At Sunrise Banks, mission and banking go hand in hand. As the first certified Community Development Financial Institution (CDFI) bank in both Minnesota and South Dakota, we understand the unique challenges and opportunities CDFIs face as they work to expand access to capital, create economic opportunity, and strengthen communities.

Let’s build stronger communities together through the power of responsible banking and community investment.

Ethical Banking Solutions

Community Impact Deposits

Put your deposits to work. Community Impact Deposits provide a secure place for your organization’s funds while helping support lending and investments that advance economic inclusion and community development.

Net Zero Deposits

Align your cash management strategy with your sustainability goals. Net Zero Deposits help organizations support environmental stewardship while maintaining the safety, liquidity, and performance they expect from their banking relationship.

ACT Deposits

The ACT deposit program ensures your large deposits stay with CDFIs and minority depository institutions, insuring your accounts while maintaining a single way to view and manage your funds through your existing relationship with Sunrise Banks. When we place your deposit into the IntraFi network, that money is divided into amounts under the standard FDIC insurance maximum of $250,000 behind the scenes. The amounts are then placed into deposit accounts at multiple FDIC-insured IntraFi network banks.

Flexible Account Structures for Mission-Driven Organizations

We know that every dollar matters. Whether it’s supporting affordable housing, fueling small business growth, or financing community projects, your capital is working toward a greater purpose. That’s why we deliver banking solutions designed to help mission-driven lenders manage liquidity, safeguard funds, and scale their impact with confidence.

    Checking & Savings

    Support day-to-day operations with accounts designed for efficiency and control with a suite of Treasury Management tools and fraud protection services.

    Loan Fund & Program Accounts

    Maintain clear separation of funds while supporting compliance and reporting requirements.

    Operating Reserve & Liquidity Accounts

    Keep capital accessible while earning competitive returns.

    Capital & Large Balance Accounts

    Protect mission-critical funds with expanded FDIC insurance options.

Why CDFIs Choose Sunrise Banks

Shared Mission
As a certified CDFI, Sunrise Banks understands the challenges and opportunities you face deploying capital to underserved communities and advancing economic inclusion.

Community Development Expertise
We work alongside organizations that create access to affordable housing, small business financing, community facilities, and economic opportunity.

Strong Risk Management & Treasury Controls
Protect your organization with treasury solutions that support internal controls, fraud mitigation, audit readiness, and regulatory compliance.

Built to Scale
From emerging loan funds to established lending organizations, our banking solutions are designed to grow with your portfolio, programs, and community impact.

Responsive Partnership
You’ll work with a team that understands the CDFI ecosystem and is committed to helping you achieve both financial and mission-driven goals.

Connect with our Team

Contact us to explore how we can support your goals through partnership and purpose-driven financial solutions.


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