multi-chapter Orgs
Clear Insights into Chapter Finances for Multi-chapter Organizations
- Unified banking* across chapters.
- Automated compliance health check for chapters
- No minimum balances or opening fees for chapters.
A solution for every organization
We know that multi-chapter organizations have varied structures, so Crowded offers a tailored solution whether the organization is organized under one EIN or has many independent chapters with a group exemption.
Which best describes your organization?
We know that multi-chapter organizations have varied structures, so Crowded offers a tailored solution whether the organization is organized under one EIN or has many independent chapters with a group exemption.
Which best describes your organization?
chapter Accounts
Enjoy the benefits of unified banking* across chapters
- FDIC pass-through insurance on deposits between $2.5 million to $25 million through the Intrafi Sweep network upon application
- Reconcile and transfer funds between accounts instantly – for free
- Subsidiary chapters can manage their funds with powerful payment collection and spending tools
bank
Enjoy the benefits of unified banking* across chapters
- Accounts are FDIC pass-through, insurance-eligible** and FDIC insurance available on deposits up to $250k through TransPecos Banks, SSB; Member FDIC.
- Reconcile and transfer funds between chapters and HQ instantly – for free
- Save time with 100% digital accounts – no more trips to the bank!
chapter tracker
Get full visibility into all your chapters in one place
- Oversee each chapter's tax filing status
- Track which chapters have tax-exempt status & if they are under the org’s group exemption
- Get notified about overdue chapter officer handovers
compliance
Maintain your group exemption long-term with AI
- AI-generated, affordable 990 Form filing for chapters
- Annual group exemption maintenance filings
- State-level sales tax recovery and fundraising permits
- E-filing certified with the IRS
sub Accounts
Oversee subsidiary chapters under 1 account
- Empower chapters to manage their funds with powerful payment collection and spending tools
- Easily identify struggling chapters and step in if necessary
- Tiered permission structure that lets you appoint admins
- Award grants to nonprofits, with auto-generated reports on their activity
- Track chapter cash flow
custom spend restrictions
Org funds used only as intended
- Restrict spending by category or merchant for contacts
- Ensure grant funding is spent compliantly
- Bar minors from spending on gambling or drinking
- Develop partnerships & issue cards that only work at partner vendors
Streamlined compliance
Maintain your tax-exempt status effortlessly
- Centralized financial information for eased annual reporting
- E-filing for Form 990s certified with the IRS
- State-level sales tax recovery and fundraising permits
custom spend restrictions
Org funds used only as intended
- Restrict spending by category or merchant for contacts
- Ensure grant funding is spent compliantly
- Bar minors from spending on gambling or drinking
- Develop partnerships & issue cards that only work at partner vendors
Why groups love using Crowded
“We only see benefits for our alumnae chapters who create a Crowded account. It gives the chapters freedom to manage their funds in a flexible way. That’s why we continue to say – Crowded is our financial management solution and we want more alumnae chapters to be utilizing it.”
Laura, Assistant Director of Lifetime Engagement, Alpha Chi Omega
“We were so glad to find a platform that allows us to support our chapters, and give them independence. There are complications managing an association partially comprised of volunteers who aren’t experienced with digital banking, but Crowded’s platform is so user-friendly that it was easily adopted across the organization.”
Abigail, Director of Chapters & Leadership, ANFP
“Since our guys are young volunteers gaining experience, it’s awesome to partner with a company that has tools to fit their needs. Things like transition assistance between officers or digital cards (the physical frat card always goes missing!) keep our guys focused on their mission and not bogged down administratively”
Turner, Director Of Administrative Services, Delta Kappa Epsilon
“Crowded has given our fraternity the ability to develop financial strategies from the local to the national level. By partnering with Crowded on both the national and chapter level, we have not only achieved annual savings of approximately $10k but also experienced a reduction in reporting time by over 40 hours annually.”
Anthony, International Grand Treasurer, Iota Phi Theta
“As PIKE transitioned from a ‘bank-less’ member billing solution to one that required a bank, Crowded was the missing piece to the puzzle. With seamless officer transitions, digital debit cards, and fantastic customer support, it was a no-brainer!”
Blaine, Director of Finance & Insurance, Pi Kappa Alpha Fraternity
answered.
Want to chat? Contact us.
What is Crowded?
Crowded is a financial platform that offers nonprofit organizations easy ways to collect, spend and manage money online.
Some of our standout features include:
FDIC pass-through, insurance-eligible accounts** with no fee to open and no minimum balances, and FDIC insurance available on deposits up to $250k through TransPecos Banks, SSB; Member FDIC.
Easy digital officer handovers.
Digital & physical Visa® debit cards with budgeted amounts for group member expenses.
Unified banking for multi-chapter organizations.
Payment collection links for dues, member fees and donations.
To set up a Crowded account for your group in minutes, create a free account online or book a demo with one of our team members for any questions or additional support.
What kinds of organizations benefit from the Chapter Tracker?
The Chapter Tracker is designed for multi-chapter nonprofits with group exemptions. The Chapter Tracker helps the central or national level organization keep track of their chapters’ treasurers, changes of address, tax filing statuses, etc.
Each chapter tied to the central account’s Chapter Tracker operates an independent Crowded account for the chapter. The central account cannot access the chapter’s account and does not have information on the chapter’s account number, balances or transactions.
The magic of the Chapter Tracker comes when all an organization’s chapters are listed in a central location, where the relevant stakeholder can see each chapter’s treasurer, EIN, address and more, enabling easy group exemption maintenance.
How is Crowded different from Zelle, Venmo & PayPal?
Venmo & Paypal? Great for friends, not for your organization. Here’s why Crowded is the better app for collecting dues & for events:
- Built for Organizations: Manage all your group’s finances in one platform. Create organized collections, track incoming payments, send reminders, and see who’s paid at a glance.
- Tax-Friendly: Don’t worry about unexpected tax liabilities with Crowded. In 2026, collecting over $600 will result in extra reporting requirements for users of Venmo/PayPal/Zelle. With Crowded, no extra reporting is required!
Do chapters need an EIN to access Crowded's banking?
For organizations set up such that chapters do not have their own EINs, turn to Chapter accounts! These allow for sub-entities of a nonprofit to have a fully functional Crowded account (payment processing, digital debit cards, etc.) without any of the paperwork normally required by a bank (EIN, Incorporation documentation), and allow for the HQ to have oversight over that account.
Is Crowded free?
Crowded accounts are free to set up – we have no minimum balances or subscription fees.
What do we charge for?
When collecting payments, we charge 2.99% of the collection amount if paid by card and the lesser of 2.99% or $5 for ACH payments.
You can always choose whether you want to cover these fees or ask your payers to handle them.
View our fee schedule here.
- Create an account
- Onboard chapters
- Consolidate your financial management
Let’s chat!
Darryl Gecelter
