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Cannabis and hemp banking

Pioneering cannabis banking for a growing future

Driving cannabis progress through trusted banking

Since 2018, we've been helping cannabis businesses move forward with confidence—backed by real experience and a deep understanding of the industry's complexities. We know what it takes to navigate evolving regulations, manage cash flow and keep operations running smoothly. Our customized banking solutions are designed to support your business, simplify your processes and help you grow with confidence.

Qualify with confidence

Meet clear, cannabis-focused requirements that make opening and maintaining your account straightforward.

Know your costs

Understand transparent, straightforward banking fees designed to support sustainable growth.D

Start banking sooner

Follow a clear onboarding timeline that gets your cannabis business banking started quickly and confidently.

Talk with a cannabis specialist who understands your business

Connect with a cannabis banking specialist to start growing today

Partner with innovators

Work with specialists who have been been shaping cannabis banking since 2018. Our dedicated team brings proven experience, industry insight and the long-term stability your business can depend on.

Join a thriving community

From cultivators to retailers, we serve businesses of every size with tailored financial solutions built to keep you compliant, confident and ready for what's next.D

3,000+

hemp and cannabis clients

8 years

helping hemp and cannabis businesses

50 states

served across the US, plus Puerto Rico

Cannabis & hemp business banking benefits
Advantages designed for the way you grow

Industry insight

Cannabis banking isn't new to us—it's what we do. Our deep understanding of the regulatory landscape and day-to-day realities helps you navigate challenges with clarity and move foward with confidence.

Proven experience

With 8 years dedicated to cannabis and hemp banking—and more than a century supporting family farms and agricultural suppliers—we bring the stability, insight and long-standing lending expertise to help your business grow securely.

Proactive protection

In a fast-moving industry, staying compliant and secure matters more than ever. Our proactive account monitoring combines expert oversight with advanced technology to protect your business and keep your operations running smoothly.

Fair pricing

Bank confidently with transparent pricing that puts your business first. Our straightforward structure means no surprises—just fair costs that help you plan, grow and invest with confidence.D

2026 Report
State of the Cannabis Industry

See the latest US cannabis market data, operator survey findings, policy analysis and financing insights.

Image depicting a user viewing the 2026 State of the Cannabis Industry report

"We share this pioneering mindset"

"I cannot tell you how many conversations I've had with banking partners and the knee-jerk reaction has always been 'No' or 'We don't support this.' Now, working with First Citizens, we instead hear, 'How can we solve this?' We realize that we share this pioneering mindset."

Tyler Priest
CRO, Green Leaf Business Solutions

First Citizens Bank & Trust Company and the parties referred to herein as "partners" are not "partners" of one another and have not entered into a "partnership", whether general or limited, as such term is used in the legal or literal sense.

There is a $150 monthly Specialty Banking fee associated with cannabis relationships. This fee will be charged to a designated checking account and is applicable per EIN. Account openings and credit are subject to bank approval. Individual state licensing and registration requirements apply. All accounts are subject to the terms and conditions included in our Depositors Agreement and Fee Schedules.

Account openings and credit are subject to bank approval.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941