Join Us

Who are the Participants?

US Financial institutions, industry associations and core service providers are encouraged to join Sheltered Harbor as Participants. Our goal is 100% industry participation.

What are the participation fees?

Sheltered Harbor is a not-for-profit, industry-led effort.  Participation in Sheltered Harbor is open to US financial institutions, service providers and industry associations.  Fees will depend on the size and type of institution.  More details are available in the Fees Schedule. 

What do Participants receive?

Participant benefits include access to the full set of specifications that ensure secure storage and recovery of account data.  Upon full satisfaction of all specification requirements, the Participant will be awarded Sheltered Harbor certification. Additionally, participants have access to best practices, an active membership community with industry subject matter experts and on-going updates to the Sheltered Harbor Solution.  More details of which benefits you receive are in the table below.  


 How do I join?

To join online, select one of the following links that will lead you through a simple process:

If your internal approval requires a hardcopy signature of the Sheltered Harbor Participation Agreement then follow these simple steps:

  1. Review the Sheltered Harbor Operating Rules.
  2. Download and print the Sheltered Harbor Participation Agreement according to your fee level:
  3. Fill in the relevant information, including fees applicable to your institution according to the Fees Schedule
  4. Sign the agreement by an authorized party
  5. Scan the signed Agreement and email it to This email address is being protected from spambots. You need JavaScript enabled to view it.

If you are a service provider or prefer to discuss participation first, kindly complete and submit the Inquiry Form and you will be contacted by our Membership team.

Upon completion of the application process, Participants will receive a welcome email with instructions on how to access the Sheltered Harbor Content Portal and other materials.