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Ever wonder what happens to your money when you deposit it in a bank?

It doesn’t just sit in a vault. Your money is pooled with everyone else’s, and your bank lends that money to businesses and people. Every bank decides who and what they lend your money to. Use our Deposit Impact Calculator to see the positive impact your idle money has when it sleeps at Beneficial State Bank.

YOUR DEPOSIT
Beneficial State Bank uses your dollars as a force for good. With your deposit, we can lend:
three people in dark orange
People
planet Earth in orange
Planet
two hands holding a heart in yellow
Prosperity for All
Beneficial State Bank never lends to:
Coal Burning in Gray
Fossil
Fuels
Oil Rig
Fracking
Prison Bars
Private
Prisons
Gun Target
Weapons
Manufacturing

*Calculations are based on 2025 mission-category lending originations and reflect our most accurate representation of activity that year. We've refined our methodology to avoid double-counting transactions across categories, ensuring a more honest view of our portfolio.

How the money in your bank account impacts our world

Banking is a powerful and often overlooked form of crowdfunding. By choosing where you bank, you can influence what gets funded.

When you bank with Beneficial State Bank, you can rest easy knowing that your money is going to local businesses, nonprofits, and individuals in need, and never to harmful actors. At least 75% of our lending goes toward our mission categories, and the rest never funds projects or organizations that cause harm.

Not all loans are equal. Some banks loan your money to small businesses or help people buy a car or a house. But other companies, like oil and gas producers, weapons manufacturers, and builders of private prisons, all take out loans, too. According to the Rainforest Action Network, "The world’s 60 biggest banks poured over $7.9 trillion over nine years into the fossil fuel industry." If you put your money in some banks, your money might be working to fund these projects without your consent.

Learn more about Beneficial State Bank’s lending policy.

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Vision & Mission

Our vision and mission guide every aspect of our work, and help us advance toward a common goal.

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Impact

How we are staying accountable to our mission and goals, empowering the systematically excluded, and nurturing and healing our planet.

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In the Better Banking Blog, we explore what a Beneficial Banking™ system looks like and how it can serve all of us.

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Choose a Bank that Invests in Tomorrow

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Beneficial State Bank serves the triple-bottom-line of people, planet, and prosperity for all. That means prioritizing social justice and environmental sustainability. Change your bank and help change the world.

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