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Cannabis Banking in Columbus, Ohio

Access secure, compliant business banking in Ohio with Safe Harbor Financial—the platform built exclusively for cannabis operators.

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Safe Harbor Financial is the established leader in cannabis banking, with over $25 billion in funds processed since launching the nation’s first compliant program in 2015.

We serve Ohio’s legal cannabis community—including dispensaries, cultivators, manufacturers, and hemp businesses—with full-service solutions: checking accounts, cash flow support, lending, digital payments, and mobile banking. Every service is built to meet the regulatory demands and operational needs of licensed operators across the state.

Ohio cannabis banking services

We appreciate how fundamental financial services are to the day-to-day running of your business. That’s why we tailored the services we offer to CRBs. Everything you could need is available, from electronic payroll to our loans program. Members of Safe Harbor can expect access to all our financial services, including:

  • Checking and savings accounts
  • Online banking with 24/7 account access
  • Consumer payments
  • Electronic tax payments
  • Cash management accounts
  • Cash pick-up and delivery services
  • Investment options
  • Employee accounts
  • Direct deposit payroll
  • ACH payments and origination options
  • Wire Services
  • Financing
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Marijuana Banking in Ohio — Current Rules and Regulations

Ohio voters approved adult-use cannabis in November 2023, with legal possession and home cultivation beginning in December 2023. Retail sales officially launched in August 2024. The Division of Cannabis Control (DCC), part of the Ohio Department of Commerce, now oversees licensing and regulation for both adult-use and medical cannabis businesses.

The state offers licenses for cultivators, dispensaries, processors, testing labs, and more. With continued adjustments to rules around sales, testing, and public safety, Ohio’s cannabis landscape is rapidly developing—and staying financially compliant is critical at every stage.

At Safe Harbor Financial, we’ve supported cannabis and hemp businesses nationwide since 2015, processing over $25 billion in cannabis-related funds. We provide Ohio operators with real banking solutions—checking, lending, payments, and mobile tools—delivered with deep regulatory expertise and a decade of industry experience.

Note: For the latest updates on Ohio cannabis law and licensing, visit the Division of Cannabis Control.

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Frequently Asked Questions

How do I join Safe Harbor Financial? +

All legal and legitimate CRBs are welcome to join the Safe Harbor family. Please submit your application online, and follow these steps:

  1. Submit your application
  2. We perform a document check and due diligence
  3. We conduct an interview, site inspection, and an in-depth business review

Alongside your application, we’ll need all the relevant marijuana-related documentation. Please include:

  • All business documents (including bylaws and operating agreement)
  • Your marijuana license or certificate and a complete copy of your license application
  • Your IRS EIN Certification Letter

Please get in touch with our team for any further questions about Safe Harbor or the application process. 

What kinds of cannabis-related businesses do you serve? +

Our services are not specialized to any specific CRBs. Our expertise spans the entire industry, including:

  • Growers, manufacturers, and CBD extraction
  • Cannabis biotechnology firms
  • Dispensaries and retailers
  • Cannabis associations
  • Service companies
  • Cannabis industry consultants
  • Landlords and ancillary

No matter your company’s industry, all customers gain access to our services, including the loans program. We want to help all CRBs refused by major financial institutions – that’s why SHF was founded.