| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | AD | ||
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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 | OCC or FDIC | Asset Size | Durbin Capped? | Notes | Consent Order? | |||||||||||||||
2 | Atlantic Capital Bank | 2/1 | Self.inc | https://atlanticcapitalbank.com/ | OCC | $3,779,141,000 | No | ||||||||||||||||||||||||
3 | Austin Capital Bank | https://www.austincapitalbank.com/ | FDIC | $383,436,000 | No | ||||||||||||||||||||||||||
4 | Avidia | avidiabank.com | FDIC | No | New England community bank thats fintech friendly. SFTP ACH and X9. | ||||||||||||||||||||||||||
5 | Axiom | https://www.axiombanking.com/ | OCC | $674,520,000 | No | ||||||||||||||||||||||||||
6 | Axos Bank | N26 :( | https://www.axosbank.com/ | OCC | $12,745,029,000 | ||||||||||||||||||||||||||
7 | Bancorp | 2/1 | Yes | Chime, bluevine, oxygen | https://www.thebancorp.com/ | OCC | $6,180,358,000 | No | |||||||||||||||||||||||
8 | Bank of Missouri | 2/1 | Yes | OlloCard, Ness, Zolve, Antlanticus (Fortiva Card, Fortiva loans, Aspire Card, Imagine Card) | https://www.bankofmissouri.com/ | FDIC | $2,648,288,000 | No | Ally acquired and now issues previously Ollo card | ||||||||||||||||||||||
9 | Bank of the Lake | 3/25 | Yes | New | N/A | Flexible | https://www.fblake.bank/ | agrandner@fblake.bank | FDIC | $900,000,000 | No | New issuing bank with highly experienced team, paying competitive interest rates. | No | ||||||||||||||||||
10 | BBVA | Yes | Yes | Simple (RIP), Azlo (RIP) | PNC | n/a | acquired by PNC | ||||||||||||||||||||||||
11 | Beneficial State Bank | 2/1 | Yes | Yes | https://beneficialstatebank.com/ | FDIC | $1,456,464,000 | No | |||||||||||||||||||||||
12 | Blue Ridge Bank | 2/1 | Yes | Unit, Upgrade | choice | OCC | $2,747,488,000 | No | Hit with material BSA failings; under consent order | Yes | |||||||||||||||||||||
13 | CBKC | FDIC | $335,534,000 | No | |||||||||||||||||||||||||||
14 | Celtic Bank | 2/5 | Yes | Deserve, Stripe, Square, Kabbage, OnDeck, BlueVine, Perpay, Ramp, Affirm, Uplift, Coast | https://www.celticbank.com/ | FDIC | $3,905,054,000 | No | |||||||||||||||||||||||
15 | Choice Bank | 2/5 | Unit, Current, Lively, Lili | bankwithchoice.com | FDIC | $3,196,969,000 | No | Yes | |||||||||||||||||||||||
16 | Coastal Community Bank | 2/5 | Yes | Yes | Aspiration, One Finance, Synctera, Aven, Pomelo, Greenwood, X1, Fair, BlueVine, Robinhood Gold Card | www.coastalbank.com | FDIC | $2,006,059,000 | No | ||||||||||||||||||||||
17 | Column | 2/5 | Yes | 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. | OCC | $553,275,000 | No | Considered the best of the best, they only take on select clients. Super legit team. | No | |||||||||||||||||
18 | Commerce Bank | 2/5 | Yes | Yes | Charity Charge | TSYS | www.commercebank.com | FDIC | $33,712,939,000 | Yes | Primarily only cobrands; TSYS Shop | ||||||||||||||||||||
19 | CFSB | Yes | Yes | Wise, Greenlight, Skrill, Airwallex, CurrencyCloud, Credit Sesame, Chipper Cash, Alviere, Crypto.com | www.cfsb.com | hklein@cfsb.com | OCC | $730,443,000 | No | Lot of international | Private SSP | ||||||||||||||||||||
20 | Continental Bank | 2/5 | Yes | Yes | Paintbrush, PingLend (Pesto), Zable dba Lendable | Small, Medium, Large (but not starup) | https://www.cbankus.com/ | jmorgan@cbankus.com | FDIC | $181,069,000 | No | Lending focused; will give balance sheet; does all BINs; clean regulatory & compliance | No | ||||||||||||||||||
21 | Emigrant Bank | Brex | https://www.emigrant.com/home.html | FDIC | $5,747,984,000 | ||||||||||||||||||||||||||
22 | Delamo Emprise Bank | 2/6 | Yes | Yes | Treasury Prime | Delamo Emprise Bank | ereisig@emprisebank.com | FDIC | $2,345,821,000 | No | |||||||||||||||||||||
23 | Evolve | 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/ | FDIC | $691,611,000 | No | Yes | |||||||||||||||||||||
24 | Cross River | 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 | FDIC | $14,323,105,000 | Yes | Yes | |||||||||||||||||||||
25 | FB&T | Yes | Yes | Final :(, CreditShop, Fidem | bankeasy.com | FDIC | $3,833,789,000 | No | |||||||||||||||||||||||
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27 | Fifth Third Bank | Yes | Yes | Brex, ADP, Wirecard, FIS/Worldpay, Fiserv | Processor agnostic; no restrictions | Med - Large | www.53.com | john.piazza@53.com | OCC | $201,995,877,000 | Yes | Balance sheet for lending, APIs for payment and deposit products | |||||||||||||||||||
28 | First Century Bank | Yes | no | Payoneer, others | https://myfirstcenturybank.com/ | FDIC | $515,433,000 | no | Bob H used them to issue MasterCard program | ||||||||||||||||||||||
29 | First Electronic Bank | Yes | ? | BlisPay (RIP), Cardless, Imprint, Concora Credit (Genesis), OppFi, ViaBill | FDIC | $74,233,000 | No | ||||||||||||||||||||||||
30 | First Horizon | Yes | No | Synapse (omnibus) | firsthorizon.com | OCC | $87,574,096,000 | Yes | |||||||||||||||||||||||
31 | First Internet Bank of Indiana | 2/1 | Yes | No | Increase | https://www.firstib.com/ | Private Consent Order | ||||||||||||||||||||||||
32 | First National Bank of Omaha | Yes (Credit) | Yes | 40+ traditional partner branded programs on legacy core. new partnerhsip with marqeta announced December 2021 | https://www.fnbo-caas.com | OCC | $25,678,000,000 | Yes | No debit sponsorship. Long history of co-brand credit. Developing new API first credit business. | ||||||||||||||||||||||
33 | First Pryority Bank | Yes | Rivet Card, Iconic, Totem, Splitwise | https://www.firstpryoritybank.com/ | Aaron Dillard - CEO | FDIC | $334,000,000 | No | |||||||||||||||||||||||
34 | Global Innovations Bank | In Progress | Small/Medium | https://gibank.com/ | agoody@gibank.com | FDIC | $53,015,000.00 | ||||||||||||||||||||||||
35 | Goldman Sachs | No | Yes | No "BaaS" but cobrand/distribution partners: Apple, GM, JetBlue, Walmart, Amazon | If you have to ask | FDIC | $351,163,000,000 | Yes | |||||||||||||||||||||||
36 | Grasshopper | Talking to baas providers. Apparently was talking with Solid and Synapse before their collapse | OCC | No | |||||||||||||||||||||||||||
37 | Green Dot | No | Yes | Uber, Walmart, Wealthfront, Stash, Amazon, Intuit, Apple | greendot.com | ssingh6@greendotcorp.com | FDIC | $386,826,000 | No | Yes | |||||||||||||||||||||
38 | Hatch Bank | Yes | Yes | HMBradley, Wisetack, Zoro Card, Altro, Healthcare Finance Direct (HFD), EnFin | www.hatchbank.com | FDIC | $110,191,000 | No | |||||||||||||||||||||||
39 | J.P. Morgan Chase | No | Yes | FINSPAN | If you have to ask | OCC | $3,190,100,000,000 | Yes | |||||||||||||||||||||||
40 | Key Bank | GradFin, Laurel Road, | |||||||||||||||||||||||||||||
41 | Lead Bank | Bridge.xyz, Wyre, Bakkt, Self Inc, Cherry, lots of legacy payday lending programs | FDIC | $723,630,000 | No 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, also DOJ investigation on payday lending | |||||||||||||||||||||||||
42 | Lincoln Savings Bank | Yes | Cash App (old), M1, Acorns, Qapital | www.mylsb.com | FDIC | $1,430,476,000 | No | ||||||||||||||||||||||||
43 | MCB | 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 | FDIC | $5,785,488,000 | No | Exiting fintech relationships in 2024 due to risk | Yes | ||||||||||||||||||||||
44 | Mid-Central National Bank | Jiko.io | www.midcentralbank.com | OCC | $140,899,000 | ||||||||||||||||||||||||||
45 | MVB | CreditKarma, NYDIG, Acorns, FanDuel and DraftKings | x | FDIC | $2,741,773,000 | No | |||||||||||||||||||||||||
46 | NBKC | Acorns (new), Empower, Betterment, Joust, Spiral, Tend, Bella (RIP) | https://www.nbkc.com/ | FDIC | $1,110,604,000 | No | |||||||||||||||||||||||||
47 | Northern Bank | No | |||||||||||||||||||||||||||||
48 | Pathward (fka MetaBank) | NetSpend, MoneyLion, Porte | OCC | $7,054,979,000 | No | ||||||||||||||||||||||||||
49 | Patriot Bank, N. A. | Yes | Lithic, Privacy | OCC | $962,807,000 | Running a managed BaaS program with Lithic. OCC apparently all over them, and they're the next shoe to drop. | Yes | ||||||||||||||||||||||||
50 | Piermont Bank | Yes | No | TreasuryPrime, 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 Club | Point, Hatch, Braid, Brex (Old) | OCC | $3,357,898,000 | No | Bought by LendingClub? | |||||||||||||||||||||||||
52 | Regions Bank | Yes | Stripe, Fleetcor/Comdata | I believe Regions is out of the game (not adding new programs) | FDIC | $154,735,000,000 | Yes | ||||||||||||||||||||||||
53 | Republic Bank Chicago | FDIC | $2,598,886,000 | No | |||||||||||||||||||||||||||
54 | Republic Bank Kentucky | FS Card :( | FDIC | $6,175,649,000 | No | ||||||||||||||||||||||||||
55 | Sillicon Valley Bank (Dead) | Sorta | Yes | https://www.svb.com/ | FDIC | $161,200,274,000 | Yes | Has Virtual Card API | |||||||||||||||||||||||
56 | SilverGate (DEAD) | https://www.silvergate.com/ | FDIC | $12,297,193,000 | No | ||||||||||||||||||||||||||
57 | Stearns Bank | Yes | Productfy, Taekus | No | |||||||||||||||||||||||||||
58 | Stride Bank | Yes | Yes | Chime (Credit), Lyft (driver), Cliq, WageCard, DasherDirect, BusyKid, Lime, PayForward, PAYFARE | https://stridebank.com/ | OCC | $1,893,278,000 | No | |||||||||||||||||||||||
59 | Sunrise Bank | Yes | myestatecard, orbis cards, Passbook by Remitly, Self.inc (Lending), Trueconnectloan.com (Lending), True Link (Debit Card), Gift Rocket | sunrisebanks.com | OCC | $1,669,923,000 | No | ||||||||||||||||||||||||
60 | Sutton Bank | Yes | Yes | Cash App, Revolut (savings), Robinhood, Monzo, Cuentas, Instant.co, Expensify, Brex (old), Ramp, Albert, InComm, TeamPay, Marqueta, Upgrade, Charlie, Airbase | Galileo, Marqeta, Corecard, Qolo, i2c | suttonbank.com | tturmelle@suttonbank.com | FDIC | $779,162,000 | No | 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 Bank | Yes | No | MissionLane, Sunbit, Snap Finance, EasyPay, FlexLending, Integra | https://www.tabbank.com/ | FDIC | $1,330,884,000 | No | |||||||||||||||||||||||
62 | UMB | Yes | Personal Capital, Brex, Meta | Fiserv (replacing with TSYS '23) | https://www.umb.com/ | david.robinson@umb.com | OCC | $36,378,318,000 | Yes | BaaS Partner with Sweep Offering | |||||||||||||||||||||
63 | Vast Bank | Yes | Invstr, CoinBase | https://www.vast.bank/ | Stephen Taylor - CIO | OCC | $827,700,000 | No | |||||||||||||||||||||||
64 | Web Bank | 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/ | FDIC | $2,650,606,000 | No | |||||||||||||||||||||||
65 | OCC | $15,109,649,000 | |||||||||||||||||||||||||||||
66 | Wilmington Savings Fund Society (WSFS) | Yes | ZenBanx :( | https://www.wsfsbank.com/ | |||||||||||||||||||||||||||
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