Safe Harbor Financial was conceived in 2015 as a solution to a major problem that plagued the nascent legalized cannabis industry in Colorado– access to reliable and compliant financial services. Once SHF addressed the local Colorado issues surrounding lack of banking and industry participants became banked, clients started seeking out of state licenses; leading SHF to a national presence and the establishment of a national foundation that enabled SHF to solve the same issues on a national level. As a result, Safe Harbor presently processes funds from 20 different states nationally. Safe Harbor, realizing the funds from the cannabis industry were better banked than unbanked, ventured forward to do the right thing for everyone, bank the deposits under Partner Colorado Credit Union as a DBA up until 2021. Cannabis related funds were already finding their way into the financial system one way or another via hidden, misrepresented accounts and criminal banking behaviors similar to money launderers. After great research, it was obvious that every agency wanted to have accountability and transparency from the industry, but legislation was not supportive of such. PLEASE NOTE: Safe Harbor Financial is a financial technology company, not a bank. Banking services are provided by our partner financial institutions: Partner Colorado Credit Union, Arvada, CO (Member NCUA), Five Star Bank, Warsaw, NY (Member FDIC), Pacific Valley Bank, Salinas, CA (Member FDIC), and Central Bank, Little Rock, AR (Member FDIC). Please note that certain non-deposit products and services offered by Safe Harbor Financial and its partners are not covered by FDIC or NCUA insurance. See your account agreements for more information. Lending not available in all markets.