Vetted depository, payment processing, lending, payroll, and compliance providers for plant-touching and ancillary cannabis operators. Each entry was checked against the provider's live website on 2026-04-23.
As of April 2026, the SAFE Banking Act has not passed. Every cannabis-friendly bank still files Suspicious Activity Reports (SARs) on plant-touching customers under the 2014 FinCEN guidance, and every dollar moves through state-regulated channels.
Most cannabis depository accounts run $500-$3,000+ per month per EIN to cover the BSA/AML monitoring, SAR filings, and elevated risk. Only one provider on this list (First Citizens Bank, $150/month) discloses pricing publicly. Assume you will need to request a quote.
A cultivator, processor, or dispensary that handles the plant is plant-touching and will trigger every cannabis-banking control. Ancillary businesses (consultants, equipment, packaging, software, CBD-only or hemp-only) face a much lighter underwriting bar - and many mainstream banks will quietly serve them.
A “cannabis bank” only counts if it banks operators in your state. Use the state filter below to narrow the list. Confirm coverage with the provider before signing - state lists change as new markets come online.
Nationwide providers always show. Type a state code or name.
12 providers matching current filters
Calyx prepares the financial package these depository providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a call5 providers matching current filters
Calyx prepares the financial package these payment providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a call3 providers matching current filters
Calyx prepares the financial package these lending providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a call3 providers matching current filters
Calyx prepares the financial package these payroll providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a call2 providers matching current filters
Calyx prepares the financial package these compliance providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a call1 provider matching current filters
Calyx prepares the financial package these b2b providers require - clean books, 280E-allocated COGS, ownership disclosures, and the BSA/AML evidence the underwriter needs to open an account.
Book a callFilter by your state. Most providers serve a defined footprint. A great bank in Washington is no use if you operate in New Jersey.
Confirm plant-touching eligibility. Some providers only take ancillary or hemp/CBD operators. Check before you apply to avoid burning compliance review cycles.
Request a fee schedule in writing. Cannabis bank pricing varies by deposit volume, transaction count, and risk tier. Get the full per-EIN monthly fee, transaction fees, and cash-handling surcharges before signing.
Bring an underwriting-ready package. Cannabis underwriting wants tax returns, source-of-funds documentation, ownership and beneficial owner disclosures, license copies, and clean financial statements that tie to your METRC/seed-to-sale data. This is where Calyx comes in.
Treat “verification pending” entries as leads, not endorsements. The four amber-flagged providers below need direct contact to confirm program status. Do not move funds based on a website alone.
The providers on this list will open accounts for cannabis operators - if your books are clean, your COGS is allocated correctly, and your ownership disclosures hold up. Calyx builds that package.
Get banking-ready with CalyxVerification & disclaimer
Last verified 2026-04-23 against each provider's public website. Inclusion is not an endorsement. Fees, state coverage, and program eligibility change frequently in cannabis banking - confirm directly with the provider before opening an account or moving funds.
Calyx CPA does not receive referral compensation from any provider listed. SAFE / SAFER Banking Act has not passed as of this audit date - all cannabis banking continues to operate under state law plus FinCEN SAR/CTR reporting under the 2014 guidance.
