Community Financial Resources’ Disbursement Administration Program helps nonprofits, small businesses, and philanthropic partners deliver payments — including stipends, guaranteed income, direct cash transfers, and incentives — to participants in a way that is safe, efficient, and accessible. With over 20 years of experience designing financial tools for low-income communities, CFR provides the infrastructure, coordination, and support that make disbursements simple and sustainable. We do not hold or transmit funds. All financial services are executed directly by our banking partner, U.S. Bank, ensuring that payments are delivered securely and in full compliance with all regulatory requirements.
What we provide
Banking Options
Products that fit the needs of your participants.
Disbursement Administration
CFR supports the administration of ACH disbursements to your program participants, ensuring payments are delivered smoothly, securely, and in partnership with U.S. Bank.
De-identified card transaction data
We provide the de-identified transactional data to analyze how funds are being used.
How It Works
- Your organization identifies eligible participants.
- CFR helps your staff with enrollment, training, and reporting.
- Your organization sends program funds to U.S. Bank.
- U.S. Bank loads the Focus Card with participant payments.
- Participants can use their prepaid debit card anywhere Visa debit is accepted, with protections provided under federal law.
Some of our Partners
Roles and Responsibilities
Bank-Backed Distribution
- All participant payments are disbursed through U.S. Bank, which serves as the custodian of funds.
CFR’s Role
- Provide software tools for enrollment and reporting.
- Train partner staff on how to enroll participants and manage the program.
- Offer customer service support for organizations.
- Supply digital resources and reporting dashboards.
What CFR Does Not Do
- CFR does not hold or control participant funds.
- CFR does not transmit or move money.
- CFR does not act as a bank, money transmitter or licensed MSB.
Through our Disbursement Administration Program, Community Financial Resources serves as a program manager and facilitator. We never hold customer funds, issue cards, or operate as a bank. All financial services are provided directly by our banking partner, U.S. Bank.
The Focus Card is a prepaid debit card issued by U.S. Bank, National Association, Member, FDIC.
The Self Help Federal Credit Union Savings Account is federally insured by NCUA.
