Payments
A fast and easy way to disburse funds to your citizens.
Deliver funds faster
Citizens can receive their funds the same day⁵ payments are initiated.
Program Use Cases:
Disbursement Programs
Assistance Funds
Per-capita Payments
Emergency Funds
“We have trouble keeping money in the Native community. It changes hands 2 times and it’s out. Anybody who understands voting with your dollar knows how economic power and tribal sovereignty really affect how things play out in the community.”
— Des, Totem Research Participant
Totem keeps money in the Native community
Benefit For Tribes
Save time and money compared to other disbursement methods.
Tribes receive rebates when citizens use their Totem accounts.
All-Native on shore customer support team for tribal staff and account holders.
Benefit For Members
No required monthly fees for having an account and no minimum balance required.
Receiving payments to a Totem account helps avoid fees associated with cashing checks or applying to prepaid cards.
Totem doesn’t charge fees to contact our all-Native customer support team.