| A | B | C | D | E | F | G | H | I | J | K | L | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | AD | AE | ||
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1 | Name | outreach | Bin Sponsor | @dropdown | Receivables | Program Types | Programs | Restricted to these processors | Program Size Target | URL | Contact at Company | Notes | Consent Order? | ||||||||||||||||
2 | Atlantic Capital Bank | Atlantic Capital Bank - Atlanta, Georgia | 2/1 | Self.inc | https://atlanticcapitalbank.com/ | ||||||||||||||||||||||||
3 | Austin Capital Bank | Austin Capital Bank - Austin, Texas | https://www.austincapitalbank.com/ | ||||||||||||||||||||||||||
4 | Avidia | Avidia Bank - Hudson, Massachusetts | avidiabank.com | New England community bank thats fintech friendly. SFTP ACH and X9. | |||||||||||||||||||||||||
5 | Axiom | Axiom Bank - Maitland, Florida | https://www.axiombanking.com/ | ||||||||||||||||||||||||||
6 | Axos Bank | Axos Bank - San Diego, California | N26 :( | https://www.axosbank.com/ | |||||||||||||||||||||||||
7 | Bancorp | Bancorp Bank - Wilmington, Delaware | 2/1 | Yes | Chime, bluevine, oxygen | https://www.thebancorp.com/ | |||||||||||||||||||||||
8 | Bank of Missouri | Bank of Missouri - Perryville, Missouri | 2/1 | Yes | OlloCard, Ness, Zolve, Antlanticus (Fortiva Card, Fortiva loans, Aspire Card, Imagine Card) | https://www.bankofmissouri.com/ | Ally acquired and now issues previously Ollo card | ||||||||||||||||||||||
9 | Bank of the Lake | Bank of the Lake - Osage Beach, Missouri | 3/25 | Yes | New | N/A | Flexible | https://www.fblake.bank/ | agrandner@fblake.bank | New issuing bank with highly experienced team, paying competitive interest rates. | No | ||||||||||||||||||
10 | BBVA | BBVA (now part of PNC Bank) - Formerly Birmingham, Alabama (merged with PNC in 2021) | Yes | Yes | Simple (RIP), Azlo (RIP) | PNC | acquired by PNC | ||||||||||||||||||||||
11 | Beneficial State Bank | Beneficial State Bank - Oakland, California | 2/1 | Yes | Yes | https://beneficialstatebank.com/ | |||||||||||||||||||||||
12 | Blue Ridge Bank | Blue Ridge Bank - Charlottesville, Virginia | 2/1 | Yes | Unit, Upgrade | choice | Hit with material BSA failings; under consent order | Yes | |||||||||||||||||||||
13 | CBKC | CBKC (Central Bank of Kansas City) - Kansas City, Missouri | |||||||||||||||||||||||||||
14 | Celtic Bank | Celtic Bank - Salt Lake City, Utah | 2/5 | Yes | Deserve, Stripe, Square, Kabbage, OnDeck, BlueVine, Perpay, Ramp, Affirm, Uplift, Mesa, Coast | https://www.celticbank.com/ | |||||||||||||||||||||||
15 | CFSB | CFSB (Community Federal Savings Bank) - New York, New York | Yes | Yes | Wise, Greenlight, Skrill, Airwallex, CurrencyCloud, Credit Sesame, Chipper Cash, Alviere, Crypto.com | www.cfsb.com | hklein@cfsb.com | Lot of international | |||||||||||||||||||||
16 | Choice Bank | Choice Bank - Fargo, North Dakota | 2/5 | Unit, Current, Lively, Lili | bankwithchoice.com | Yes | |||||||||||||||||||||||
17 | Coastal Community Bank | Coastal Community Bank - Everett, Washington | 2/5 | Yes | Yes | Aspiration, One Finance, Synctera, Aven, Pomelo, Greenwood, X1, Fair, BlueVine, Robinhood Gold Card | www.coastalbank.com | ||||||||||||||||||||||
18 | Column | Column - Palo Alto, California | 2/5 | Yes | Brex, Mercury, Plaid, Bill, AvidExchange, Settle, Carta, Nium, Wise | Bring your own processor | Apparently mostly taking larger clients | https://column.com | Pretty selective. High standards and mostly commercial. | Considered the best of the best, they only take on select clients. Super legit team. | No | ||||||||||||||||||
19 | Core Bank | Core Bank Omaha, Nebraska | Yes | accounts, payments, cards | Increase | ||||||||||||||||||||||||
20 | Commerce Bank | Commerce Bank - Kansas City, Missouri | 2/5 | Yes | Yes | Charity Charge | TSYS | www.commercebank.com | Primarily only cobrands; TSYS Shop | ||||||||||||||||||||
21 | Continental Bank | Continental Bank - Salt Lake City, Utah | 2/5 | Yes | Yes | Credit, Secured card | Pesto (program manager), Novo | Small, Medium, Large (but not starup) | https://www.cbankus.com/ | jmorgan@cbankus.com | Lending focused; will give balance sheet; does all BINs; clean regulatory & compliance | No | |||||||||||||||||
22 | Cross River | Cross River Bank - Fort Lee, New Jersey | Yes | Yes | Upgrade, Revolut (Credit), Coinbase, Stripe, RocketLoans, Remitly, Affirm, Best Egg, Upstart, LendingUSA, Yendo, Lending Club, Divvy, Gusto, Kabbage, Intuit, Finix, Seedfi | www.crossriver.com | llosquadro@crossriver.com | Requires $5m in funding | Yes | ||||||||||||||||||||
23 | Delamo Emprise Bank | Delamo Emprise Bank | 2/6 | Yes | Yes | Treasury Prime | Delamo Emprise Bank | ereisig@emprisebank.com | |||||||||||||||||||||
24 | Emigrant Bank | Emigrant Bank - New York, New York | Brex | https://www.emigrant.com/home.html | |||||||||||||||||||||||||
25 | Evolve | Evolve Bank & Trust - Memphis, Tennessee | 2/6 | Yes | Yes | Bond, Sila, Stripe Treasury, Synapse, Deserve, Dave, Step, Rho, Mercury, OnJuno, BlockFi, Creator.Cash, Atmos, Bend | https://www.getevolved.com/openbanking/ | Yes | |||||||||||||||||||||
26 | FB&T | FB&T (Farmers Bank & Trust) - Great Bend, Kansas | Yes | Yes | Final :(, CreditShop, Fidem | bankeasy.com | |||||||||||||||||||||||
27 | Fifth Third Bank | Fifth Third Bank - Cincinnati, Ohio | Yes | Yes | Brex, ADP, Wirecard, FIS/Worldpay, Fiserv | Processor agnostic; no restrictions | Med - Large | www.53.com | john.piazza@53.com | Balance sheet for lending, APIs for payment and deposit products | |||||||||||||||||||
28 | First Century Bank | First Century Bank - Gainesville, Georgia | Yes | no | Payoneer, others | https://myfirstcenturybank.com/ | Bob H used them to issue MasterCard program | ||||||||||||||||||||||
29 | First Electronic Bank | First Electronic Bank - Salt Lake City, Utah | Yes | ? | BlisPay (RIP), Cardless, Imprint, Concora Credit (Genesis), OppFi, ViaBill | https://firstelectronic.bank/ | |||||||||||||||||||||||
30 | First Horizon | First Horizon Bank - Memphis, Tennessee | Yes | No | Synapse (omnibus) | firsthorizon.com | |||||||||||||||||||||||
31 | First Internet Bank of Indiana | First Internet Bank of Indiana - Fishers, Indiana | 2/1 | Yes | No | Increase | https://www.firstib.com/ | Private Consent Order | |||||||||||||||||||||
32 | First National Bank of Omaha | First National Bank of Omaha - Omaha, Nebraska | Yes (Credit) | Yes | 40+ traditional partner branded programs on legacy core. new partnerhsip with marqeta announced December 2021 | https://www.fnbo-caas.com | No debit sponsorship. Long history of co-brand credit. Developing new API first credit business. | ||||||||||||||||||||||
33 | First Pryority Bank | First Pryority Bank - Pryor, Oklahoma | Yes | Rivet Card, Iconic, Totem, Splitwise | https://www.firstpryoritybank.com/ | Aaron Dillard - CEO | |||||||||||||||||||||||
34 | Global Innovations Bank | Global Innovations Bank - Unknown (likely a fintech with limited information) | In Progress | Small/Medium | https://gibank.com/ | agoody@gibank.com | |||||||||||||||||||||||
35 | Goldman Sachs | Goldman Sachs - New York, New York | No | Yes | No "BaaS" but cobrand/distribution partners: Apple, GM, JetBlue, Walmart, Amazon | If you have to ask | |||||||||||||||||||||||
36 | Grasshopper Bank | Grasshopper Bank - New York, New York | Increase, Carry, AngelList, Meow, Sydecar | ||||||||||||||||||||||||||
37 | Green Dot | Green Dot Bank - Pasadena, California (Green Dot Bank is UT Industrial Bank) | No | Yes | Uber, Walmart, Wealthfront, Stash, Amazon, Intuit, Apple | greendot.com | ssingh6@greendotcorp.com | Yes | |||||||||||||||||||||
38 | J.P. Morgan Chase | J.P. Morgan Chase - New York, New York | No | Yes | FINSPAN | If you have to ask | |||||||||||||||||||||||
39 | Hatch Bank | Hatch Bank - San Marcos, California | Yes | Yes | HMBradley, Wisetack, Zoro Card, Altro, Healthcare Finance Direct (HFD), EnFin | www.hatchbank.com | |||||||||||||||||||||||
40 | Key Bank | KeyBank - Cleveland, Ohio | GradFin, Laurel Road, | ||||||||||||||||||||||||||
41 | Lead Bank | Lead Bank - Kansas City, Missouri | Yes | Yes | Bridge.xyz, Wyre, Bakkt, bunch of other crypto, Self, Cherry, lots of legacy payday lending programs | everyone | lead.bank | No tech (apparently they're building...saying that for a while?), 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, also DOJ investigation on payday lending | ||||||||||||||||||||
42 | Lending Club | LendingClub Bank - Lehi, Utah | Point, Hatch, Braid, Brex (Old) | No | |||||||||||||||||||||||||
43 | Lewis and Clark Bank | Lewis and Clark Bak, Oregon City, Oregon | Yes | ||||||||||||||||||||||||||
44 | Lincoln Savings Bank | Lincoln Savings Bank - Cedar Falls, Iowa | Yes | Cash App (old), M1, Acorns, Qapital | www.mylsb.com | ||||||||||||||||||||||||
45 | MCB | MCB (Metropolitan Commercial Bank) - New York, New York | Yes | Jelli, 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.com | www.mcbankny.com | Exiting fintech relationships in 2024 due to risk | Yes | ||||||||||||||||||||||
46 | Mid-Central National Bank | Mid-Central National Bank - Wadena, Minnesota | Jiko.io | www.midcentralbank.com | |||||||||||||||||||||||||
47 | MVB | MVB Bank - Fairmont, West Virginia | CreditKarma, NYDIG, Acorns, FanDuel and DraftKings | x | |||||||||||||||||||||||||
48 | NBKC | NBKC Bank - Overland Park, Kansas | Acorns (new), Empower, Betterment, Joust, Spiral, Tend, Bella (RIP) | https://www.nbkc.com/ | |||||||||||||||||||||||||
49 | Northern Bank | Northern Bank - Woburn, Massachusetts | |||||||||||||||||||||||||||
50 | OMB | OMB - Springfield, MO | |||||||||||||||||||||||||||
51 | Pathward (fka MetaBank) | Pathward (formerly MetaBank) - Sioux Falls, South Dakota | NetSpend, MoneyLion, Porte | ||||||||||||||||||||||||||
52 | Patriot Bank, N. A. | Patriot Bank, N.A. - Stamford, Connecticut | Yes | Lithic, Privacy | Running a managed BaaS program with Lithic. OCC apparently all over them, and they're the next shoe to drop. | Yes | |||||||||||||||||||||||
53 | Piermont Bank | Piermont Bank - New York, New York | Yes | No | TreasuryPrime, Zeta, [Unit announced dropped , 3/29/24 - see Notes], Future | 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 | ||||||||||||||||||||||
54 | Regions Bank | Regions Bank - Birmingham, Alabama | Yes | Stripe, Fleetcor/Comdata | I believe Regions is out of the game (not adding new programs) | ||||||||||||||||||||||||
55 | Republic Bank Chicago | Republic Bank (Chicago) - Oak Brook, Illinois | https://republicebank.com/ | ||||||||||||||||||||||||||
56 | Republic Bank Kentucky | Republic Bank (Kentucky) - Louisville, Kentucky | FS Card :( | ||||||||||||||||||||||||||
57 | Sillicon Valley Bank (Dead) | Silicon Valley Bank - Santa Clara, California (now defunct) | Sorta | Yes | https://www.svb.com/ | Has Virtual Card API | |||||||||||||||||||||||
58 | SilverGate (DEAD) | Silvergate Bank - La Jolla, California (now defunct) | https://www.silvergate.com/ | ||||||||||||||||||||||||||
59 | Stearns Bank | Stearns Bank - St. Cloud, Minnesota | Yes | Productfy, Taekus | |||||||||||||||||||||||||
60 | Stride Bank | Stride Bank - Enid, Oklahoma | Yes | Yes | Chime (Credit), Lyft (driver), Cliq, WageCard, DasherDirect, BusyKid, Lime, PayForward, PAYFARE | https://stridebank.com/ | |||||||||||||||||||||||
61 | Sunrise Bank | Sunrise Banks - St. Paul, Minnesota | Yes | myestatecard, orbis cards, Passbook by Remitly, Self.inc (Lending), Trueconnectloan.com (Lending), True Link (Debit Card), Gift Rocket | sunrisebanks.com | ||||||||||||||||||||||||
62 | Sutton Bank | Sutton Bank - Attica, Ohio | Yes | Yes | Cash App, Revolut (savings), Robinhood, Monzo, Cuentas, Instant.co, Expensify, Brex (old), Ramp, Albert, InComm, TeamPay, Marqueta, Upgrade, Charlie, Airbase | Galileo, Marqeta, HIghnote, Corecard, Qolo, i2c, GiveCard | suttonbank.com | tturmelle@suttonbank.com | 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 | |||||||||||||||||||
63 | TAB Bank | TAB Bank - Ogden, Utah | Yes | No | MissionLane, Sunbit, Snap Finance, EasyPay, FlexLending, Integra | https://www.tabbank.com/ | |||||||||||||||||||||||
64 | Transpecos | ||||||||||||||||||||||||||||
65 | UMB | UMB Bank - Kansas City, Missouri | Yes | Personal Capital, Brex, Meta | Fiserv (replacing with TSYS '23) | https://www.umb.com/ | david.robinson@umb.com | BaaS Partner with Sweep Offering | |||||||||||||||||||||
66 | Vast Bank | Vast Bank - Tulsa, Oklahoma | Yes | Invstr, CoinBase | https://www.vast.bank/ | Stephen Taylor - CIO | |||||||||||||||||||||||
67 | Web Bank | WebBank - Salt Lake City, Utah | Yes | Yes | Klarna, 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, ZIP | https://www.webbank.com/ | |||||||||||||||||||||||
68 | Wilmington Savings Fund Society (WSFS) | Wilmington Savings Fund Society (WSFS) - Wilmington, Delaware | Yes | ZenBanx :( | https://www.wsfsbank.com/ | ||||||||||||||||||||||||
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