Full FDIC/NCUA insurance on all cash deposits up to $50MM

More than 20 years ago, Impact Deposits Corp. created the first fully-insured cash-deposit network. Now, you can set up your account with us for free and enjoy the peace of mind that comes with knowing your deposits are safe and secure.

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About Us

Meet an Innovative Cash-Management Solution for Individual and Institutional Depositors

Impact Deposits Corp. created the first fully-insured cash deposit network more than 20 years ago. Our innovative model attracts institutions and depositors which aim to:

✓ Invest or receive funds to maximize FDIC and/or NCUA security.

✓ Receive competitive interest rates, next-day liquidity and no set up fees.

✓ Create meaningful impact in the world, at no extra cost, by generating positive social outcomes through Impact Deposits Corp.’s direct community donations.

Insurance makes a difference and we can help you with that!

Impact Deposits enables a simple yet powerful way to protect and manage large cash deposits through a single account on behalf of its clients across the U.S.

Deposit insurance is one of the significant benefits of having an account at an FDIC-insured bank—it’s how the FDIC protects your money in the unlikely event of a bank failure.

The standard insurance amount is  

$ 250,000

per depositor, per insured bank, for each account ownership category*

*With Impact Deposits, you can achieve full FDIC insurance beyond the traditional limit.

Simple proven powerful: how does our program work?

– Simple online management
– FDIC-insured deposits beyond $250K individual bank limit
– Next-day liquidity
– Competitive interest rate
– Single monthly statement
– Automated trade confirmations
– No fees for account setup or transactions


Learn more about FDIC Insurance with FAQs

Deposit insurance is one of the significant benefits of having an account at an FDIC-insured bank or NCUA-insured credit union — it is how the Federal Deposit Insurance Corporation and the National Credit Union Administration protect your money in the event of an organization failure. The maximum amount insured is $250,000 per depositor, per insured bank/credit union, for each account ownership category. Impact Deposits Corp. empowers you to achieve full FDIC/NCUA insurance for the entirety of your cash assets, by allocating them throughout our cash deposit network of banks

Depositors are typically insured up to $250,000 per FDIC-insured bank, per ownership category. However, by enrolling in the program offered by Deposits Corp., customers can exceed this standard limit and receive full insurance coverage for large cash deposits.

The FDIC provides insurance coverage for various types of deposits at banks but certain investments are excluded from their coverage. Examples of these include stocks, bonds, mutual funds, life insurance policies, annuities, and municipal securities, even if they are purchased through an insured bank. Through Impact Deposits Corp.'s program, all deposits are covered by FDIC insurance.

Now high-net-worth individuals, as well as a range of public and private institutions, can realize superior protection and competitive interest rates for large cash deposits. Funds deposited through Impact Deposits Corp.’s innovative network achieve full FDIC insurance beyond traditional $250,000 limits.

Through a single account, funds are liquid and secure, while giving depositors the access and convenience of a traditional FDIC-insured money-market account.

Impact Deposits Corp. created the concept of socially responsible depositingTM, which empowers clients to make a positive impact on the world simply by using our Insured Cash Deposit services. We are the pioneer in the cash-deposit network industry, and our services continue to be uniquely effective.

Get in touch with our team through the chat or form below and become a part of the program today!

No Setup Fees

No account setup or transaction fees for your clients' online Impact Deposits account.

Full Insurance

Full FDIC/NCUA insurance on all cash deposits up to $50MM (including $250K+)

Powerful Network

Our foundation is established on a robust network and supported by a meaningful purpose.

Secure and Socially Impactful:
How our program delivers impact

Over the past 12 years, hundreds of local charities and non- profits have received significant support from Impact Deposits Corp. through the revenue we earn from our client depositors. 

Our company has donated over $13,000,000 of its basis interest points to benefit 400 non-profits to date.

Contact Us


2103 Coral Way, Suite 202 Miami, Florida, 33145



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Office Location

2103 Coral Way, Suite 202
Miami, FL 3145

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