What institutions actually require
Cannabis-friendly institutions operate under federal Bank Secrecy Act expectations. They will want your OLCC license, ownership disclosures, source-of-funds documentation, and regular reporting of sales activity that reconciles to deposits. Clean monthly financials make this routine; messy ones make it fatal to the relationship.
Account economics
Expect meaningful monthly fees plus cash-deposit charges scaled to volume. These are real operating costs worth budgeting rather than being surprised by, and they are disallowed federally like other non-production expenses.
Cash controls where banking is limited
Dual counts, sealed deposit logs, safe reconciliation, till limits and scheduled armored pickups protect both funds and staff, and they generate the audit trail your institution and your accountant both need.
