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Smarter Cannabis
Banking

Smarter Cannabis
Banking

Stronger Financial Health Starts Here.

Access secure, compliant cannabis banking, financial and business services. Nationwide.

Access secure, compliant banking, financial and essential business services built for cannabis. Trusted since 2015, Safe Harbor empowers cannabis operators nationwide to grow with clarity and control.

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Nasdaq: SHFS
Nasdaq: SHFS
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FDIC & NCUA Insured: Deposits held by our partner institutions are protected up to $250,000 per depositor, per ownership category. See footer for details.
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FDIC & NCUA Insured: Deposits held by our partner institutions are protected up to $250,000 per depositor, per ownership category. See footer for details.
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Compliant BANKING & Financial Solutions

Trusted by cannabis operators nationwide

Smarter Banking

Compliant business accounts, checking, mobile, payments, secure cash logistics and dedicated support to simplify cash flow and reduce risk for cannabis operators.
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Financial services

Bookkeeping, accounting, and strategic finance support that scales with you to strengthen decision-making and efficient growth of your cannabis business.
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BUSINESS Lending

Real estate loans and working capital solutions to fund growth, strengthen long-term stability, and support expansion of your cannabis business.
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partner network

Cannabis business payroll, HR, insurance, legal, marketing and other essential services, with preferred access and pricing through trusted third-party partners.
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Our partners

A proven track record that speaks for itself

1st

CANNABIS BANKING PLATFORM

The first compliant cannabis banking provider in the U.S.
41

States Supported

Services provided across 41 U.S. states and territories.
1000s

of Clients SERVED

Thousands of cannabis businesses supported and growing.
10

Years of Service

We’ve been serving the cannabis industry for over a decade.
$26B

in Transactions

Securely processed $26 billion in depository activity.
$120M

LOANS ORIGINATED

Since launching our cannabis lending platform in 2022.

Serving Cannabis Operators in 41 States and Territories

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Operational
States We Serve
No Coverage
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States We Serve
No Coverage

Why Cannabis Businesses Choose Safe Harbor, and stay.

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Avoid surprise shutdowns

Proven stability since 2015.
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Stay compliant

Continuous monitoring and reporting.
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Be audit-ready

Records organized for regulators.
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Handle cash securely

Cash protected from pickup to posting
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Get SPECIALIZED support

Cannabis finance pros on call.
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Improve Financial Health

Tools and services that scale with you.
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Save money, run smarter

Discounts that cut overhead.

What Safe harbor customers say

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Julius Ivancsits
CEO, Parallel
“When our previous bank left the cannabis space, Safe Harbor got 50 accounts set up for us in under a week and enabled NACHA file functionality in just three days. It was much faster than we expected, which we really appreciated. Our Relationship Manager has been great and consistently provides solid support. It's been a smooth and reliable partnership from the start.”
Jonathan Black
CEO, Cheech & Chong’s Cannabis Co
“Safe Harbor’s got our back, plain and simple. It’s like having a financial partner who gets it. No drama, no runaround, just solid service that keeps our cash flowing so we can focus on the fun part – growing the brand.”
Deborah Saneman
CEO, Würk
“Managing payroll for cannabis businesses takes a banking partner who truly understands the industry. Safe Harbor makes the process smooth and reliable, helping us stay compliant, while ensuring our clients’ teams are always paid on time.”
Derrick Gibbs
Co-Founder, BUDR
“Safe Harbor has been an incredible partner for our business. Their customer service is unmatched – responsive, knowledgeable, and genuinely invested in helping us succeed. It’s clear they understand the cannabis industry and actually care about the people in it.”

Ready for Smarter Cannabis Banking?

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CANNABIS BANKING STARTED HERE.

We launched the nation’s first compliant cannabis banking program in 2015, and we’ve been leading ever since.
Read Our Story
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Frequently Asked Questions

Still have questions? Contact us anytime, we’re here to help.
Get in Touch
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Who is Safe Harbor?

Safe Harbor is a financial technology company that provides secure, compliant cannabis business banking, lending, and financial support through NCUA or FDIC federally insured partner banks. We provide specialized client support from onboarding, to day to day management of your banking and financial services. You’ll work directly with Safe Harbor cannabis banking specialists who understand your business and are here to help it grow.

Where are Safe Harbor branch locations?

Safe Harbor does not operate physical branches. All accounts are serviced remotely by our experienced cannabis account management team, available by phone and email. For cash deposits, we provide secure options such as scheduled armored pickup and smart safes that credit a portion of your funds before transport. Payments, wires, ACH, bill pay, debit card use, and account management are all available through online and mobile banking, so you have full access to banking services built specifically for cannabis without needing a branch.

What type of cannabis businesses do you work with?

We work with all cannabis and cannabis-related business operators including licensed dispensaries, cultivators, manufacturers, distributors, ancillary businesses, hemp and cbd.

Are my deposits insured?

Yes. Funds are held by our banking partners and are federally insured by the NCUA or FDIC up to $250,000 per depositor, per ownership category.

Is the Safe Harbor cannabis banking program compliant?

Yes. This isn’t new for us. We’ve been doing it for more than a decade. Safe Harbor was one of the first to build a fully compliant cannabis banking program, and we follow strict protocols every step of the way.

Do you support multi-state operators?

Yes. We work with cannabis businesses in 41 states and territories, including those with multi-location and multi-entity structures. Whether you're expanding or already operating across state lines, we’re built to support that complexity.

Do you offer cash pickup or smart safes?

Yes. We make it easy to manage cash securely, whether that means armored pickup, smart safes, or vault access. What’s available depends on your location, but we’ll help you find the best fit for your operation.

Do you offer banking for cannabis employees?

Yes. We offer compliant personal banking for cannabis employees, including direct deposit, debit card access, and more, so your team can bank with confidence too.

Do you support consumer debit card payments?

Yes. We provide debit payment solutions built to integrate with transparent, compliant cannabis retail operations.

What other services do you offer?

Along with banking, we offer lending, digital payments, vendor pay, payroll, tax support, and cannabis-specialized financial services to help you run stronger and plan ahead.

Do I need to bank with Safe Harbor to use your financial services?

No. You can use many of our services, like bookkeeping, payroll, and tax support, even if you don’t bank with us.

Will I have a dedicated contact?

Yes. Every client works with an experienced, dedicated cannabis banking specialist who knows the industry and has your back.

Still have questions?

Contact us anytime, we’re here to help.