Best Banking for churches and religious organizations in USA
Non-sponsored, Expert Verified and Transparently Ranked Banking for churches and religious organizations in USA
Published: December 20, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Church Accounting by Shelby Systems scored highest due to State-of-the-art cloud solution fulfilling requirements for governing boards, staff, and agencies with church-specific scalability..
Content Verification
Side-by-Side Comparison
| Feature | #1 Church Accounting (Shelby Systems) | #2 Giving (Pushpay) | #3 Financial Edge NXT (Blackbaud) | #4 Financial Services (Everence) | #5 Ministry Banking (Christian Community Credit Union (CCCU & AdelFi)) |
|---|---|---|---|---|---|
| Best For | State-of-the-art cloud solution fulfilling requirements for governing boards, staff, and agencies with church-specific scalability. | Proven to grow generosity with $235M in at-risk donations secured annually, trusted by 14, 000+ churches. | Designed for high ethical standards in church accounting, securing trust and supporting mission expansion. | Faith-aligned banking with a focus on stewardship, sustainability, and community impact for religious organizations. | Dedicated leadership team supporting financial health specifically for Christian churches and ministries. |
| Faith Alignment | Explicitly faith-based: built for churches and ministries with a stewardship focus (“serve His Church well”) and church-specific features like clergy/lay payroll settings and true fund accounting. Developed by a team active in local churches to “serve God, ” and part of Ministry Brands’ mission-built church finance suite. (shelbysystems.com) (shelbysystems.com) | Built for Christian churches and Catholic parishes: a church engagement platform that guides spiritual journeys. Includes dedicated Catholic support (ParishStaq) “designed in collaboration with diocesan leaders to address the mission of the Catholic Church.” Trusted by 14, 000+ churches. (pushpay.com) | Aligned with faith-based organizations: marketed to and supported for churches (Financial Edge NXT for Churches webinar), part of Blackbaud’s solutions for faith communities; used by churches like Fellowship Bible Church. Despite ending its Church Management product on January 22, 2024, Blackbaud serves 1, 600+ faith organizations via financials/CRM. (hello.blackbaud.com) | Christian, Anabaptist-rooted financial services integrating faith and values with money decisions. Mission: “Together, we empower financial well-being for faith-inspired living.” Emphasizes stewardship investing and generosity/mutual aid (Sharing Fund) as ways clients live out faith through finance. (everence.com) | Explicitly Christian credit union: mission “serve Christ followers to live and give more abundantly, ” anchored by a formal Statement of Faith. (mycccu.com) Membership focuses on Christians; post‑merger field serves those who observe Christian doctrine and agree to the Statement. (mycccu.com) Products fund ministry, card/debit spend supports missions (>$6.5M given); deposits finance ministries. (mycccu.com) |
| Integration Capabilities | Integrates with ShelbyNext Membership and ShelbyNext Giving for synced contributions and GL entries; ShelbyNext Giving connects via API secret and fund mapping. (shelbysystems.com) Imports electronic bank statements (QIF, OFX, QFX, XLSX) for reconciliation. (shelbysystems.zendesk.com) Supports AR payments via configured payment providers and offers SSO across Shelby apps via MinistryID. (shelbysystems.zendesk.com) | 100+ integrations: ChMS (Rock RMS), accounting (QuickBooks Online, Sage Intacct), communications (Mailchimp), websites (WordPress), and complex giving via Engiven (stock/crypto). Public REST API uses OAuth2 and Swagger for custom integrations. (pushpay.com) | Integrates natively with Raiser’s Edge NXT, Tuition Management, and Blackbaud Grantmaking; provides open SKY API. Microsoft Power Platform connectors (General Ledger, Payables, Query) enable low‑code automation. Extensible via Blackbaud Marketplace and Excel add-ins; supports third‑party AP automation (e.g., AvidXchange). (blackbaud.com) (blackbaud.com) (webfiles-sc1.blackbaud.com) | Online/mobile banking with bill pay and P2P “Pay A Person, ” eStatements, eAlerts, text banking, and in‑app credit score. (everence.com) Mobile wallets: Apple Pay, Google Pay, Samsung Pay. (everence.com) Video banking via browser/app with e‑signatures and domestic/international wires. (everence.com) CO‑OP Shared Branch access and nearly 30, 000 ATMs. (everence.com) Greenlight family app funded from EFCU checking. (everence.com) | Direct Connect integration with QuickBooks and Quicken for transaction syncing. (mycccu.com) ACH Pass-Through enables uploading NACHA files from external systems. (mycccu.com) New Cash Management unifies Bill Pay, ACH, Wires, Positive Pay, and QuickBooks access. (mycccu.com) Supports Zelle and digital wallets (Apple Pay, Google Pay, Samsung Pay). (mycccu.com) |
| Church-Specific Functionality | Fund accounting (FASB 117/nonprofit net assets); clergy vs. lay payroll designation with church payroll reporting; AR for church daycare/school tuitions and denominational apportionments; purchasing workflows tailored for ministries (custom approvals, alerts, email POs). (shelbysystems.com) | Built for churches: campaigns and pledges; future-dated gifts; branded QR codes/pre-configured links; Spanish Web Giving; text, mobile, kiosk, and Tap‑to‑Give; multi-campus management with per‑campus designations and multiple bank accounts; donor management, financial accountability, and automated tax statements; AI “talk to your data” insights. (pushpay.com) | - Multi-campus and ministry-centric accounting: track campuses, projects, mission trips, and events; produce ministry-level budget reports. (blackbaud.com) - Raiser’s Edge NXT integration links donations and events to accounting, reducing manual entries. (blackbaud.com) - Import contributions from Breeze/easyTithe via the Excel Journal Entry Batch Creator; direct marketplace integrations are planned. (blackbaud.com) | Church banking (checking, savings) and loans; retirement/benefit plans for pastors/staff; stewardship education/resources, charitable giving services and Sharing Fund matching grants; MyNeighbor credit card that donates 1.5% to your church; pastoral financial wellness education/counseling. (everence.com) | Church-focused tools include online tithes/offerings via Anedot (recurring gifts; cards/ACH/digital wallets), Remote Deposit Capture for multi-campus deposit consolidation, and Cash Management with multi-user entitlements, dual approvals, ACH/wires, and Positive Pay fraud protection. Merchant services (Talus Pay) support church bookstores/cafés; CCCU ministry credit card purchases donate to missions. (anedot.com) (mycccu.com) |
Shelby SystemsCompany Information
Description
Shelby Systems provides a range of cloud-based solutions for church management, accounting, online giving, and mobile applications to help churches and ministries streamline their processes and engage with their communities.
What They Do
Provide software solutions for church management and financials.
Who They Serve
Churches, ministries, and non-profit organizations.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Cloud-based accounting software designed specifically for churches, ministries, and non-profits, offering general ledger, payroll, accounts receivable, payable, and reporting features. It meets the unique financial stewardship needs of religious organizations.
Key Features
- Payroll management (gross wage computation, tax calculation, voluntary deductions, e-File reporting, Form 941 and W-2 printing, clergy/lay staff designation, federal/state/local tax support)
- Accounts Payable (bill payment, vendor management, invoice/document attachment, cash/accrual/modified accrual basis, integration with Bank Reconciliation, Purchase Order, and General Ledger)
- Accounts Receivable (tracks payments from sources like daycare, tuition, insurance, pension, apportionments)
- Purchasing Management (web-based purchase orders, custom approval workflows, requisition-to-PO process, dashboard alerts, automated email notifications, vendor PO emailing)
- Financial Reporting (general ledger monthly standard reports, custom report builder, drill-down to application entries, sub-ledger reconciliation, downloadable reports in multiple formats)
- Bank Account Management (checking account balancing, support for popular bank file formats, historical record of reconciled statements, deposit recording)
- General Ledger (detailed journal entries, standard/custom reports, drill-down, budgeting tools, account reconciliation)
- Fixed Assets (asset cataloging, inventory, depreciation entries, report builder)
- Expense Amortization (amortize prepaid expenses over time for accurate financials)
- GAAP Compliance (meets requirements for boards, committees, staff, and agencies)
- Easy Data Migration (step-by-step tutorials, in-app help, 40+ learning videos, email/phone/chat support)
Key Benefits
- Cloud-based access for modern, flexible financial management
- Designed specifically for the unique needs of churches and ministries
- GAAP compliant for easy auditing and regulatory compliance
- Streamlines payroll, purchasing, and reporting processes
- Easy migration with extensive tutorials and support
- Supports both clergy and lay staff payroll requirements
- Facilitates responsible stewardship and fiscal transparency
Who Is It For
- Churches
- Ministries
- Non-profits
- Denominational headquarters
Accounting software built to work for your church.
ShelbyNext Financials is a state-of-the-art, cloud-based software specifically designed to meet the needs of churches, ministries, non-profits and denominational headquarters.
All the features you've come to expect from accounting software, plus the features you need as a church
Payroll
The Payroll application manages all aspects of your payroll. It provides gross wage computation, calculates all necessary taxes, withholds voluntary deductions, prints a payroll check for the employee, and provides necessary totals for monthly, quarterly and annual government and management reporting, including e-File reporting. Settings to designate clergy and lay staff is as simple as a single check mark on a person’s record. The program prints Form 941 and Form W-2 to ease reporting requirements. Federal, state and local tax settings are fully supported and kept current.
- Gross wage computation
- Tax calculation (federal, state, local)
- Voluntary deductions
- Payroll check printing
- Government and management reporting (monthly, quarterly, annual)
- e-File reporting
- Clergy/lay staff designation
- Form 941 and W-2 printing
Accounts Payable & Receivable
The Accounts Payable application provides the ability to pay bills, manage credits from and payments to vendors, and attach invoices and other documentation. Users operate on a cash, accrual, or modified accrual basis. Module interfaces with Bank Reconciliation, Purchase Order, and General Ledger. Accounts Receivable accurately tracks payments you receive for varied sources such as church daycare and school tuitions. It also tracks billing activity for church headquarters collection of insurance, pension, and apportionments.
- Bill payment and vendor management
- Invoice/document attachment
- Cash, accrual, or modified accrual basis
- Integration with Bank Reconciliation, Purchase Order, General Ledger
- Tracks payments from daycare, tuition, insurance, pension, apportionments
Purchasing Management
Purchasing Management brings your ministry’s acquisition process to the web. From entering purchase orders to identifying your unique approval process, Shelby provides all the tools needed to ensure your purchasing workflow runs smoothly as part of our trusted church accounting software suite. The Purchase Order module allows supervisors to establish and enforce an “approval process” starting with a requisition and ending with an approved purchase order. The Desktop Dashboard alerts users when a requisition is awaiting approval, and an automated e-mail notification system notifies managers when they need to approve requisitions. The module can automatically e-mail a purchase order to the vendor upon approval, if desired.
- Web-based purchase order management
- Custom approval workflows
- Dashboard alerts for requisitions
- Automated email notifications
- Automatic vendor PO emailing
Financial Reporting
The system provides general ledger monthly standard reports along with an easy to use custom presentations report builder. The major GL reports also provide drill-down functionality back to a single application entry. Each application has its own set of reports allowing auditors to reconcile each sub-ledger to the GL while giving users the ability to view all historical sub-ledger transactions. All reports are downloadable in several formats.
- General ledger monthly standard reports
- Custom report builder
- Drill-down to application entries
- Sub-ledger reconciliation
- Downloadable reports in multiple formats
Guiding fiscal responsibility through you.
Fulfills your financial requirements for governing boards, financial committees, internal staff, and outside agencies.
Bank Account Management
A simple way to balance your checking accounts and support popular file download formats available from most banks. Bank Account Management keeps a historical record of all reconciled bank statements. The application also allows users to record deposits, even while balancing a statement.
- Checking account balancing
- Support for popular bank file formats
- Historical record of reconciled statements
- Deposit recording
General Ledger
The General Ledger not only contains details of all posted journal entries, but also provides a full set of standard reports, tools for creating custom reports, and easy access to view posted journals with drill down capability. Manually entered journal entries also update account management applications for true account reconciliation. Budgeting tools are also located in this application.
- Posted journal entry details
- Standard and custom reports
- Drill-down capability
- Account reconciliation
- Budgeting tools
Fixed Assets
The Fixed Assets application allows users to catalog fixed assets, conduct periodic inventory of tags and create depreciation entries which update the General Ledger. Along with multiple canned reports, the application also includes a completely new Selections and Listings report builder which supports multiple reports and/or statements, making designing your own report very easy.
- Asset cataloging
- Inventory management
- Depreciation entries
- Selections and Listings report builder
Expense Amortization
Shelby’s bookkeeping tools can amortize prepaid expenses over a period of time, rather than having the expenses update your general ledger as a lump sum at the time of payment. Using this program allows you to more accurately indicate when expenses are actually incurred.
- Amortize prepaid expenses over time
- Accurate expense timing in financials
GAAP Compliant
Fulfills your financial requirements for governing boards, financial committees, internal staff, and outside agencies. Your auditors will find it easy to complete their tasks because it is GAAP compliant.
- GAAP compliance for easy auditing
Easy to Migrate
You’ll have access to step-by-step Data Migration Tutorials, In-App Help and Tutorials, 40+ Essential Learning Videos, and email, phone, and chat support.
- Step-by-step data migration tutorials
- In-app help and tutorials
- 40+ learning videos
- Email, phone, and chat support
Ready to see how the power of ShelbyNext Financials can help your organization?
Create the right suite of tools with these additional solutions that work seamlessly with our Church Accounting Software
Additional solutions include Church Management, Church Websites, Online Giving, Church Hardware, Church App, Background Checks, Shelby HQ, Total Ministry, and Worship Planning.
- Church Management
- Church Websites
- Online Giving
- Church Hardware
- Church App
- Background Checks
- Shelby HQ
- Total Ministry
- Worship Planning
Resources
Detailed Comparison
Faith Alignment
Integration Capabilities
Church-Specific Functionality
PushpayCompany Information
Description
Pushpay provides a powerful suite of solutions that unify giving, groups, and engagement to support churches in guiding their communities' spiritual journeys.
What They Do
Pushpay offers an engagement platform tailored for churches, providing tools for online giving, church management, and community engagement.
Who They Serve
Pushpay serves churches and parishes, offering technology solutions to enhance community gatherings and donations.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Suite of tools for online giving, church management, engagement, and reporting tailored for churches. Secures donations, tracks giving trends, and unifies member interactions in one app.
Key Features
- Everygift® suite for safe and successful transactions
- Assured® Payments: secures donor payment info during service interruptions
- Failed Payment Recovery: recaptures intended gifts
- Recurring Suggestion: uses machine learning to prompt recurring giving
- Mobile, online, text, and kiosk giving options
- Tap-to-Give via VisitorReach partnership
- Spanish Web Giving
- Multi-campus management
- Branded QR codes and pre-configured giving links
- Campaigns and pledges management
- Future dated gifts
- Donor management and financial accountability tools
- Automated giving statements for tax purposes
- AI-powered data insights (ask questions in plain English)
- Customizable donation forms
Key Benefits
- Proven to increase generosity (average +65% increase in digital giving)
- Frictionless giving experience for donors
- Instant insights and analytics for administrators
- Supports a wide variety of payment methods (credit, debit, ACH, Apple Pay, stock, crypto, cash, check)
- Customizable to match church branding
- Robust security for donor information
- Easily integrates with 80+ church management and accounting systems
- Scalable for multi-site and multi-language churches
Who Is It For
- Churches of all sizes
- Multi-campus churches
- Multi-language congregations
- Church administrators
- Church leaders and staff
Online Church Giving Software
Church giving software that’s fast, simple and secure. The only church giving platform that’s proven to increase generosity with the Everygift® suite. Take the complexity out of your online giving experiences without sacrificing any of the functionality you need.
Welcome to Everygift®
Everygift is Pushpay's proprietary suite of church giving software that guarantees safe and successful transactions, while cultivating a cheerful atmosphere that promotes future contributions.
- Assured® Payments: Secure donor payment info during service interruptions.
- Failed Payment Recovery: Recapture intended gifts.
- Recurring Suggestion: Machine learning prompts for recurring giving.
Complete giving platform for donors and administrators
Enable frictionless giving for donors and instant insights for your team.
- Give anywhere: Support credit cards, ACH, Apple Pay, stock, and crypto across mobile, online, text and kiosk.
- Stay on brand: Integrate your church identity into every giving experience.
- Talk to your data: Ask questions in plain English and get instant visual answers with AI.
A variety of giving options across platforms
Allow donors to choose the giving path that’s right for them.
- Mobile: Give from your church app or through the mobile browser.
- Online: Seamlessly integrate giving into your website and communications.
- Tap-to-Give: Tap phone to access giving pages, event registration, or church info.
- Text Giving: Make mobile giving as easy as sending a text message.
Support for multi-campus and multi-language churches
Scale and grow with custom giving solutions for multi-site churches.
- Spanish Web Giving: Platform experience available in Spanish.
- Multi-Campus: Build, support and manage multiple campuses.
Do Even More with Church Giving Software
- Recurring Gifts: Safe and easy way to automatically give.
- Campaigns and Pledges: Create campaigns and pledges for specific needs.
- Future Dated Gifts: Gifts created today, processed later.
- Branded QR Codes & Pre-configured Giving Links: Simplify giving with pre-populated forms.
- Multi-Site Management: Robust support for large churches.
80+ INTEGRATIONS
Products you already use connect to Pushpay. No need to start from scratch. With our ecosystem of partners and software integrations available, you can link all of your software tools and databases into one harmonious system.
Resources
Supporting Resources
Detailed Comparison
Faith Alignment
Integration Capabilities
Church-Specific Functionality
BlackbaudCompany Information
Description
AI-powered software built for fundraising, nonprofit accounting, education, CSR and more, fueling bigger, bolder impact everywhere.
What They Do
Provide software solutions for fundraising, accounting, education management, and corporate social responsibility.
Who They Serve
Nonprofits, K-12 schools, higher education institutions, healthcare organizations, arts and cultural organizations, foundations, and companies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
Complete fund accounting system for churches and non-profits, handling bank reconciliation, budgeting, expense tracking, donation management, and payroll. Ensures compliance with ethical accounting standards and demonstrates accountability to stakeholders.
Key Features
- AI-automated reconciliation and anomaly detection
- Segmented chart of accounts for data consistency
- Subfund accounting for granular fund tracking
- Automated workflows for restricted funds management
- Role-based access and separation of duties
- Attach supporting documentation for audit trails
- Customizable dashboards and built-in nonprofit reporting templates
- Blackbaud AI Chat for quick reporting answers
- Automated accounts payable with Payment Assistant™
- Bank and credit card reconciliation
- AI-powered invoicing
- Patented expense submission with automated routing and budget checking
- Integration with Blackbaud Raiser’s Edge NXT and Tuition Management
- Integration with third-party tools via Blackbaud Marketplace
- SKY Developer tools and Microsoft Power Platform automation
Key Benefits
- Speeds time to close with AI-automated reconciliation
- Accelerates data-to-decision timelines with AI-driven insights
- Enforces compliance and accountability with AI-powered tools
- Builds donor trust with real-time gift insight and subfund tracking
- Reduces manual work and errors through automation
- Provides transparent, customizable reporting
- Ensures accuracy and safeguards funds with robust internal controls
- Scalable and secure cloud access from anywhere, on any device
Who Is It For
- Nonprofit organizations
- Foundations
- K-12 schools
- Higher education institutions
- Healthcare organizations
- Arts and cultural organizations
- Social good organizations
Use Cases
- Managing and reporting on restricted funds, grants, and endowments
- Automating accounts payable and expense management
- Ensuring compliance with donor and regulatory requirements
- Providing real-time financial insights to stakeholders
- Connecting finance and fundraising teams for compliant data sharing
- Reducing time spent on manual reporting and reconciliation
AI-Driven Financial Management Software
A fund accounting system built for organizations like yours helps you stay compliant, maximize fund utilization, and build trust with funders and donors.
- Compliance
- Stewardship
- Internal Controls
- Transparent Reporting
- Automated Processes
Compliance
Get the level of detail you need to easily track restricted funds and provide detailed reporting to your funders.
- Automated workflows and AI-powered processes can easily handle the complexity of restricted funds
- Fund accounting software built for nonprofits alleviates clunky workarounds or manual fixes
- Track grants, projects, and endowments in granular detail with flexible subfund functionality
- Create a single source of truth for all of your revenue sources
Stewardship
Build donor trust and demonstrate accountability with real-time gift insight and subfund tracking.
- Show donors their impact and answer gifting questions without waiting on manual reports
- Manage restricted funding with ease without juggling dozens of spreadsheets
- Connect with Blackbaud Raiser’s Edge NXT® to share compliant data faster across finance and fundraising teams
Internal Controls
Ensure accuracy, safeguard funds, and improve efficiency with robust financial workflows and procedures.
- Attach supporting documentation to transactions to create a strong audit trail
- Connect with Blackbaud Raiser’s Edge NXT® to minimize manual data entry and improve accuracy
- Role-based access to ensure team members see only what they need and enforce separation of duties
- AI-powered anomaly detection and spending controls to prevent overspending and restrict fund use
Transparent Reporting
Save time and make data-driven decisions with customizable dashboards and reports.
- Built-in templates designed for nonprofits to help you get the data you need right away
- Customizable dashboards to drill into the details so you can make data-driven decisions
- View-only licenses reduce time spent responding to ad hoc reporting requests
- Blackbaud AI Chat gives you quick answers to reporting questions without digging into your dashboards
Automated Processes
Save time, minimize errors, and accelerate operations with intelligent automation and built-in integrations.
- Payment Assistant™ for automated accounts payable eliminates paper checks and gets vendors paid faster
- Bank and credit card reconciliation and AI-powered invoicing reduces errors and speeds time to close
- Budget and report creation reduces time spent compiling, distributing, and consolidating reports and budget worksheets
- Patented expense submission with automated routing rules and budget checking simplifies your expense management
More flexibility. More impact.
Amplify the value of Financial Edge NXT with a connected ecosystem of Blackbaud products or create your own integrations and automations.
- Simplify your workflows by integrating Financial Edge NXT with other Blackbaud products, like Raiser’s Edge NXT and Tuition Management
- Integrate with vetted tools for budgeting, payroll, HR, and reporting through the always-growing Blackbaud Marketplace
- Create your own solutions with SKY Developer tools or automate with Microsoft Power Platform
Resources
Supporting Resources
Detailed Comparison
Faith Alignment
Integration Capabilities
Church-Specific Functionality
EverenceCompany Information
Everence is a company that provides services to a specific geographic area, with some services not available to users from other locations.
Keywords
Description
Everence helps individuals, organizations, and congregations integrate their finances with their faith, offering a range of financial services including banking, insurance, and asset management, along with a commitment to charitable giving and community support.
What They Do
Everence provides financial services including banking, insurance, financial planning, asset management, and charitable giving.
Who They Serve
Everence serves individuals, families, churches, and nonprofits, focusing especially on those looking for faith-based financial services.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
Everence provides faith-based banking services including loans, checking, and savings accounts tailored for individuals, organizations, and congregations. It helps integrate finances with faith through a national team of professionals committed to spiritual and financial growth.
Key Features
- Financial planning (including for college, marriage, family, home buying, retirement, giving, end-of-life, budgeting, and debt counseling)
- Credit union banking (savings, checking, loans, mortgages, credit cards, HSAs)
- Insurance (life, disability, long-term care, Medicare supplement, annuities, dental and vision, Medicare Part D)
- Asset management (IRAs, investment management, trust and estate planning, Praxis Investment Management)
- Charitable giving (donor advised funds, planned giving, charitable trusts, gift annuities, legacy planning)
- Business and nonprofit services (retirement plans, endowment management, group health and employee benefits, business succession planning)
- Congregational services (retirement trusts, charitable services, stewardship education, pastoral financial wellness)
Key Benefits
- Integration of personal values and faith with financial decisions
- Comprehensive suite of financial services under one provider
- Personalized support from financial professionals
- Nationwide service—local offices and remote consultations
- Specialized solutions for organizations and congregations
Who Is It For
- Individuals seeking personal financial services
- Families planning for major life events
- Businesses and nonprofits needing financial, asset, and benefits management
- Congregations requiring stewardship, banking, and employee benefits solutions
Financial services
Everence Financial offers a broad array of options to help you meet your needs, including credit union, financial planning, health insurance, charitable planning and more.
A financial partner that shares your values
Gain confidence in your finances with the help of Everence Financial professionals, who can help you with your most basic or complex financial questions and needs.
- Nationwide service—work with professionals no matter where you live
- Faith and values-centered approach
- Broad financial services for individuals and organizations
For individuals
Everence Financial serves individuals with a variety of services to meet personalized needs.
- Financial planning
- Credit union banking
- Insurance
- Asset management
- Charitable giving
For organizations
Everence Financial offers services for businesses, nonprofits, and congregations.
- Asset management
- Employee health and retirement benefits
- Business banking
- Planned giving services
- Executive financial services
- Congregational education resources
Get started
Let Everence Financial help you reach your financial goals, no matter where you are on your journey. Contact an Everence representative or leave your information so that we can contact you.
Meet life's moments with confidence
Everence Financial can help you save for tomorrow, buy your dream home, protect your family, and make a far-reaching plan for your future.
Disclosure
Advisory services and securities may be offered through a third-party registered investment advisor or registered broker-dealer that is not affiliated with Everence Trust Company. Investments and other investment-related and/or securities products are not NCUA or otherwise federally insured, may involve loss of principal and are not guaranteed.
Resources
Supporting Resources
Detailed Comparison
Faith Alignment
Integration Capabilities
Church-Specific Functionality
Ministry Banking
Christian Community Credit Union (CCCU & AdelFi)Company Information
Description
For over 68 years, we’ve been serving Christ followers to live and give more abundantly. We offer full-service digital banking, along with nationwide shared branches and ATMs. When you bank with Christian Community Credit Union, you bank with your values!
What They Do
They provide banking services, including checking and savings accounts, loans, credit cards, and investment planning with a focus on Christian values.
Who They Serve
They serve individuals and ministries that value faith-based banking, including personal and business customers, as well as ministries.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Credit union services helping churches, ministries, and families thrive financially through banking solutions. Focuses on enabling abundant living and giving for religious organizations.
Key Features
- Ministry Checking Accounts (Basic, Interest)
- Ministry Savings Accounts (Standard, Harvest High-Yield, Premium Money Market, Money Market)
- Ministry Certificates (Liquid, Step-it-Up, Term Share)
- Ministry Loans (Real Estate, Equipment, Lines of Credit, Vehicle, Share Secured, Term Loans)
- Ministry Credit Cards (Gives to Missions Business Rewards, MAF Business Rewards, IM Business Rewards)
- Digital Banking Services
- Financial Services
- Money for Missions donation program
Key Benefits
- Faith-based, Christian financial institution
- Every dollar deposited is reinvested in other ministries
- Competitive loan and deposit rates
- Member-owned, not-for-profit cooperative
- Access to ministry professionals (legal, accounting, etc.)
- Specialized products and services for all life stages of ministry
- Support for ministry growth and expansion
Who Is It For
- Protestant Christian churches
- Christian ministries
- Christian schools
- Christian universities
- Missionary organizations
- Relief organizations
Ministry Membership & Benefits
CCCU partners with members and ministries to create a better financial future through faith, community, and shared financial resources. Committed to helping churches grow and ministries expand.
Ministry Membership
Organizations eligible to join include Protestant Christian churches, ministries, schools, universities, and other Christian ministries such as missionary and relief organizations.
Benefits of Membership
CCCU offers specialized banking and loan solutions to help ministries grow, build, and serve their communities.
- Faith-Based Credit Union: Founded on and driven by Christian faith. Every dollar deposited is reinvested in other ministries.
- Competitive Rates: Member-owned cooperative offering competitive loan and deposit products.
- We Understand Ministry: Over 68 years of experience serving ministries of all sizes.
- Access to Ministry Professionals: Network of specialists in legal, accounting, and more.
Ministry Banking Services
Comprehensive suite of banking services for ministries, including checking, savings, certificates, credit cards, lending, and donation programs.
- Checking
- Savings
- Certificates
- Credit Cards
- Lending
- Money for Missions
Commercial Real Estate Loans as low as 5.84%. For Purchase, Construction, Remodel, or Refinance. Ministry Equipment Loan as low as 8.34%. Get the Equipment you Need to Grow.
- Commercial Real Estate Loans as low as 5.84%
- Ministry Equipment Loan as low as 8.34%
5.00% APY* Ministry Harvest Savings.
- 5.00% APY* Ministry Harvest Savings
Resources
Supporting Resources
Detailed Comparison
Faith Alignment
Integration Capabilities
Church-Specific Functionality
Our Ranking Methodology
How we rank these offerings
We ranked these Banking for churches and religious organizations in USA based on three key factors: Church-Specific Functionality (40% weight), Faith Alignment (35% weight), and Integration Capabilities (25% weight). Church Accounting scored highest because it offers specialized accounting functions tailored for religious organizations, strong faith integration, and useful integrated solutions for church management. Giving followed closely with its comprehensive tools for donor management and high integration capacity.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for banking services tailored to churches and religious organizations?
- Banking services for churches and religious organizations typically involve a combination of account maintenance fees, transaction fees, and percentages of funds managed. Everence, for instance, customizes its pricing based on the specific needs of the organization, integrating services like loans and savings accounts into their faith-based financial growth strategy. Pricing is often competitive with traditional banks, but the value added comes from the specialized spiritual and financial integration support offered.
- What key considerations should churches have when selecting accounting software?
- When selecting accounting software, churches should prioritize ease of use, compliance with FASB standards, and compatibility with non-profit financial needs. The church accounting software offers cloud-based solutions that include general ledger, payroll, and reporting features essential for non-profits, ensuring accurate financial stewardship. The capacity to manage accounts receivable and payable efficiently and integrate with donation management systems like Financial Edge NXT is critical for transparency and accountability.
- What industry standards and compliance issues do religious organizations face?
- Religious organizations must adhere to ethical accounting standards such as those set by the Financial Accounting Standards Board (FASB) for non-profits. Solutions like Financial Edge NXT are designed to ensure compliance through features that handle complex fund accounting and provide detailed reporting systems. These standards help maintain accountability to stakeholders and safeguard against financial mismanagement.
- What are the common implementation challenges of financial technology in churches?
- Implementation challenges include technological resistance, data migration issues, and staff training. Many organizations, particularly smaller congregations, face hurdles in adopting new systems like the ones offered by the Giving suite or church accounting software. Addressing these involves phased rollouts, utilizing professional deployment services, and taking advantage of training modules provided by the software vendors to ensure staff are proficient in using new digital tools.
- How can churches measure ROI and value delivery from their banking and financial systems?
- Churches can measure ROI by evaluating the cost savings achieved through improved financial management, increased donation engagement, and streamlined operations. Everence, by integrating financial solutions with faith-based advice, adds unique value beyond traditional financial metrics. The use of comprehensive systems like Financial Edge NXT also improves financial transparency and accountability, which can lead to increased donor confidence and financial growth.
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