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.

Beneficial State Bank uses your dollars as a force for good. With your deposit, we can lend:
Icon of three people in dark orange
Icon of planet Earth in orange
Icon of prosperity, with two hands holding a heart in yellow
Prosperity for All
Beneficial State Bank never lends to:
Icon Coal Burning in Gray
Icon Fracking in Gray
Icon Prison in Gray
Icon Gun Target in Gray

*Calculations based on December 31, 2022 mission metrics, as compiled by Beneficial State Foundation. The results are only an estimate of how your deposits will be used. Some loans may be counted in more than one mission impact category.

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 $5.5 trillion over 7 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.

Vision & Mission Card Link Monarch Butterfly on White Background

Vision & Mission

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

Acorn Icon Acorn Icon Filled
Impact Card Link First page of the 2021 Beneficial State Impact Report, featuring staff members and the text overlay "Creating a Just and Fair Future"


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

Acorn Icon Acorn Icon Filled
Better Banking Blog Card Link A photo outside our Seattle branch in the Bullitt Center, showing our logo and the cross streets E Madison St and 15th Avenue.

Better Banking Blog

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

Acorn Icon Acorn Icon Filled

Choose a Bank that Invests in Tomorrow

Bank Institution Icon

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.