ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACAD
1
NameoutreachBin Sponsor@dropdownReceivablesProgram TypesProgramsRestricted to these processorsProgram Size TargetURLContact at CompanyOCC or FDICAsset SizeDurbin Capped?NotesConsent Order?
2
Atlantic Capital Bank2/1Self.inchttps://atlanticcapitalbank.com/OCC$3,779,141,000No
3
Austin Capital Bankhttps://www.austincapitalbank.com/FDIC$383,436,000No
4
Avidiahttps://avidia.comFDICNoNew England community bank thats fintech friendly. SFTP ACH and X9.
5
Axiomhttps://www.axiombanking.com/OCC$674,520,000No
6
Axos BankN26 :(https://www.axosbank.com/OCC$12,745,029,000
7
Bancorp2/1YesChime, bluevine, oxygenhttps://www.thebancorp.com/OCC$6,180,358,000No
8
Bank of Missouri2/1Yes
OlloCard, Ness, Zolve, Antlanticus (Fortiva Card, Fortiva loans, Aspire Card, Imagine Card)
https://www.bankofmissouri.com/FDIC$2,648,288,000NoAlly acquired and now issues previously Ollo card
9
Bank of the Lake3/25YesNewN/AFlexiblehttps://www.fblake.bank/agrandner@fblake.bankFDIC$900,000,000NoNew issuing bank with highly experienced team, paying competitive interest rates. No
10
BBVAYesYesSimple (RIP), Azlo (RIP)PNCn/aacquired by PNC
11
Beneficial State Bank2/1YesYeshttps://beneficialstatebank.com/FDIC$1,456,464,000No
12
Blue Ridge Bank2/1YesUnit, UpgradechoiceOCC$2,747,488,000NoHit with material BSA failings; under consent orderYes
13
CBKCFDIC$335,534,000No
14
Celtic Bank2/5YesDeserve, Stripe, Square, Kabbage, OnDeck, BlueVine, Perpay, Ramp, Affirm, Uplift, Coasthttps://www.celticbank.com/FDIC$3,905,054,000No
15
Choice Bank2/5Unit, Current, Lively, Lilibankwithchoice.comFDIC$3,196,969,000NoYes
16
Coastal Community Bank2/5YesYesAspiration, One Finance, Synctera, Aven, Pomelo, Greenwood, X1, Fair, BlueVine, Robinhood Gold Cardwww.coastalbank.comFDIC$2,006,059,000No
17
Column2/5YesYesBrex, Plaid, Bill, AvidExchange, Settle, Carta, Nium, WiseBring your own processor Apparently mostly taking larger clientshttps://column.com
Apparently pretty selective. High standards and mostly commercial.
OCC$403,275,000NoNo
18
Commerce Bank2/5YesYesCharity ChargeTSYSwww.commercebank.comFDIC$33,712,939,000YesPrimarily only cobrands; TSYS Shop
19
CFSBYesYesWise, Greenlight, Skrill, Airwallex, CurrencyCloud, Credit Sesame, Chipper Cash, Alviere, Crypto.comwww.cfsb.comhklein@cfsb.comOCC$730,443,000NoLot of internationalPrivate SSP
20
Continental Bank2/5YesYesPaintbrush, PingLend (Pesto), 2 more lauching 1Q'24Small, Medium, Large (but not starup)https://www.cbankus.com/jmorgan@cbankus.comFDIC$181,069,000NoLending focused; will give balance sheet; does all BINs; clean regulatory & compliance No
21
Emigrant BankBrexhttps://www.emigrant.com/home.htmlFDIC$5,747,984,000
22
Delamo Emprise Bank2/6YesYesTreasury PrimeDelamo Emprise Bankereisig@emprisebank.comFDIC$2,345,821,000No
23
Evolve2/6YesYesBond, Sila, Stripe Treasury, Synapse, Deserve, Dave, Step, Rho, Mercury, OnJuno, BlockFi, Creator.Cash, Atmos, Bend1FDIC$691,611,000NoYes
24
Cross RiverYesYesUpgrade, Revolut (Credit), Coinbase, Stripe, RocketLoans, Remitly, Affirm, Best Egg, Upstart, LendingUSA, Yendo, Lending Club, Divvy, Gusto, Kabbage, Intuit, Finix, Seedfiwww.crossriver.comllosquadro@crossriver.comFDIC$14,323,105,000YesYes
25
FB&TYesYesFinal :(, CreditShop, Fidembankeasy.comFDIC$3,833,789,000No
26
27
Fifth Third BankYesYesBrex, ADP, Wirecard, FIS/Worldpay, FiservProcessor agnostic; no restrictions Med - Largewww.53.comjohn.piazza@53.comOCC$201,995,877,000YesBalance sheet for lending, APIs for payment and deposit products
28
First Century BankYesnoPayoneer, othershttps://myfirstcenturybank.com/FDIC$515,433,000noBob H used them to issue MasterCard program
29
First Electronic BankYes?BlisPay (RIP), Cardless, Imprint, Concora Credit (Genesis), OppFi, ViaBillFDIC$74,233,000No
30
First HorizonYesNoSynapse (omnibus)firsthorizon.comOCC$87,574,096,000Yes
31
First Internet Bank of Indiana2/1YesNoIncreasehttps://www.firstib.com/
32
First National Bank of OmahaYes (Credit)Yes40+ traditional partner branded programs on legacy core. new partnerhsip with marqeta announced December 2021https://www.fnbo-caas.comOCC$25,678,000,000YesNo debit sponsorship. Long history of co-brand credit. Developing new API first credit business.
33
First Pryority BankYesRivet Card, Iconic, Totem, Splitwisehttps://www.firstpryoritybank.com/Aaron Dillard - CEOFDIC$334,000,000No
34
Global Innovations BankIn ProgressSmall/Mediumhttps://gibank.com/agoody@gibank.comFDIC$53,015,000.00
35
Goldman SachsNoYesNo "BaaS" but cobrand/distribution partners: Apple, GM, JetBlue, Walmart, AmazonIf you have to askFDIC$351,163,000,000Yes
36
Grasshopper
Talking to baas providers. Apparently was talking with Solid and Synapse before their collapse
OCCNo
37
Green DotNoYesUber, Walmart, Wealthfront, Stash, Amazon, Intuit, Applegreendot.comssingh6@greendotcorp.comFDIC$386,826,000NoYes
38
Hatch BankYesYesHMBradley, Wisetack, Zoro Card, Altro, Healthcare Finance Direct (HFD), EnFinwww.hatchbank.comFDIC$110,191,000No
39
J.P. Morgan ChaseNoYesFINSPANIf you have to askOCC$3,190,100,000,000Yes
40
Key BankGradFin, Laurel Road,
41
Lead BankAffirm, Bridge.xyz, Wyre, Bakkt, Self Inc, Cherry, Metropolis DAO FDIC$723,630,000No tech (apparently they're building?), awesome risk tolerance for crypto and consumer - won't ask a lot of questions. Rumors(?) they stopped onboarding new programs due to regulators.
Private Consent Order
42
Lincoln Savings BankYesCash App (old), M1, Acorns, Qapitalwww.mylsb.comFDIC$1,430,476,000No
43
MCB YesJelli, NexsCard, SImba, Current, US Money, Stream, CashPass, MangoMoney, VamosPay, MeshPay, GroundSwell, Movo Cash, SplashWallet, Ternio Block, Revolut, Allegro, Get Juice, CapWay, Babu, SplashApp, more (google "Issued by Met Com Bank"), Crypto.comwww.mcbankny.comFDIC$5,785,488,000NoExiting fintech relationships in 2024 due to riskYes
44
Mid-Central National Bank
Jiko.iowww.midcentralbank.comOCC$140,899,000
45
MVBCreditKarma, NYDIG, Acorns, FanDuel and DraftKingsxFDIC$2,741,773,000No
46
NBKCAcorns (new), Empower, Betterment, Joust, Spiral, Tend, Bella (RIP)https://www.nbkc.com/FDIC$1,110,604,000No
47
Northern BankNo
48
Pathward (fka MetaBank)NetSpend, MoneyLion, PorteOCC$7,054,979,000No
49
Patriot Bank, N. A.YesLithic, PrivacyOCC$962,807,000Running a managed BaaS program with Lithic. OCC apparently all over them, and they're the next shoe to drop. Yes
50
Piermont BankYesNoTreasuryPrime, Zeta, [Unit announced dropped , 3/29/24 - see Notes]
Only accepting programs from companies with >$5m in assets. 3/29/24: Announced it would drop Unit as a BaaS partner, hit with a consent order -- driven by BSA/AML deficiencies and "third-party relationships." See https://twitter.com/mikulaja/status/1773716041878675791?s=46&t=9CnMQPIpAg6KZSXvSZRqww
Yes
51
Lending ClubPoint, Hatch, Braid, Brex (Old)OCC$3,357,898,000NoBought by LendingClub?
52
Regions BankYesStripe, Fleetcor/ComdataI believe Regions is out of the game (not adding new programs)FDIC$154,735,000,000Yes
53
Republic Bank ChicagoFDIC$2,598,886,000No
54
Republic Bank KentuckyFS Card :(FDIC$6,175,649,000No
55
Sillicon Valley Bank (Dead)SortaYeshttps://www.svb.com/FDIC$161,200,274,000YesHas Virtual Card API
56
SilverGate (DEAD)https://www.silvergate.com/FDIC$12,297,193,000No
57
Stearns BankYesProductfy, TaekusNo
58
Stride BankYesYesChime (Credit), Lyft (driver), Cliq, WageCard, DasherDirect, BusyKid, Lime, PayForward, PAYFAREhttps://stridebank.com/OCC$1,893,278,000No
59
Sunrise BankYesmyestatecard, orbis cards, Passbook by Remitly, Self.inc (Lending), Trueconnectloan.com (Lending), True Link (Debit Card), Gift Rocketsunrisebanks.comOCC$1,669,923,000No
60
Sutton BankYesYesCash App, Revolut (savings), Robinhood, Monzo, Cuentas, Instant.co, Expensify, Brex (old), Ramp, Albert, InComm, TeamPay, Marqueta, Upgrade, Charlie, AirbaseGalileo, Marqeta, Corecard, Qolo, i2csuttonbank.comtturmelle@suttonbank.comFDIC$779,162,000No
3/29/24: They're under scrutiny for Cash App and general BaaS-related AML practices; see coverage of consent order here: https://www.bankingdive.com/news/piermont-sutton-bank-fdic-consent-orders-aml-bsa-baas-third-party-partners/711815/ It's not clear of they've shut off Cash App or anything else (though it appears not).
Yes
61
TAB BankYesNoMissionLane, Sunbit, Snap Finance, EasyPay, FlexLending, Integrahttps://www.tabbank.com/FDIC$1,330,884,000No
62
UMBYesPersonal Capital, Brex, MetaFiserv (replacing with TSYS '23)https://www.umb.com/david.robinson@umb.comOCC$36,378,318,000YesBaaS Partner with Sweep Offering
63
Vast BankYesInvstr, CoinBasehttps://www.vast.bank/Stephen Taylor - CIOOCC$827,700,000No
64
Web BankYesYesKlarna, Zero, Petal, Lending Club, Mosaic, Toast, DigniFi, Avant, Gemini, Mission Lane, Build, Cleo, Collective, DigniFi, Gemini Card, iCreditWorks, Lane Health, OneMain Financial, Oportun, PayPal, Petal, Prosper, Reprise, Scratch, ZIPhttps://www.webbank.com/FDIC$2,650,606,000No
65
WexYeshttps://www.wexinc.com/$9,227,610,000Yes
66
Wilmington Savings Fund Society (WSFS)YesZenBanx :(https://www.wsfsbank.com/OCC$15,109,649,000
67
fuzzeHead LLchttps://www.fuzzeheadme.com/
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100