FedNow® Service Participants and Service Providers

The Federal Reserve’s FedNow Service is an instant payments infrastructure that allows participating banks and credit unions to send and receive transactions within seconds on behalf of their customers — 24 hours a day, seven days a week.

This page lists participating financial institutions that are currently live on the service, as well as financial institutions serving as settlement and liquidity providers. Financial institutions that have completed testing and certification will be added to the list once they are live on the service.

Also listed are certified service providers that have completed testing certification to support payment processing for participants. More information about the offerings of these organizations — and those of other vendors that support instant payment services such as bill pay, payroll processing, digital wallet and API development — may be found at the FedNow Service Provider Showcase (Off-site).

To obtain a list of participant routing transit numbers (RTNs), contact your relationship manager.

Participating Financial Institutions

Participating Financial Institutions
Organization Name City State
1st Source Bank South Bend Indiana
Addition Financial Credit Union Lake Mary Florida
Adyen San Francisco California
American National Bank Omaha Nebraska
Arcadian Bank Albert Lea Minnesota
Avidia Bank Hudson Massachusetts
Bank Independent Sheffield Alabama
Bank of Odessa Odessa Missouri
BNY Mellon New York New York
BOM Bank Natchitoches Louisiana
Bridge Community Bank Mechanicsville Iowa
Bryant Bank Birmingham Alabama
Citizens Alliance Bank Clara City Minnesota
Citizens Bank of Edmond Edmond Oklahoma
Citizens Bank of Las Cruces Las Cruces New Mexico
Citizens National Bank Sevierville Tennessee
CNB Bank & Trust N.A. Carlinville Illinois
Community Bank of the Bay Oakland California
Consumers Cooperative Credit Union Gurnee Illinois
Corporate America Credit Union Irondale Alabama
Corporate One Federal Credit Union Columbus Ohio
Cross River Bank Teaneck New Jersey
CSE Federal Credit Union Sulphur Louisiana
DATCU Denton Texas
Eastern Corporate Federal Credit Union Burlington Massachusetts
Farmers Trust and Savings Bank Spencer Iowa
FCNB Bank Steelville Missouri
FFB Bank Fresno California
First Bank Clewiston Florida
First Citizens State Bank Whitewater Wisconsin
First Internet Bank of Indiana Indianapolis Indiana
First National Bank of Kentucky Carrolton Kentucky
Flagship Bank Oldsmar Florida
Flatwater Bank Gothenburg Nebraska
Global Innovations Bank Kiester Minnesota
HawaiiUSA Federal Credit Union Honolulu Hawaii
Home Federal Savings & Loan Grand Island Nebraska
INB Springfield Illinois
JPMorgan Chase New York New York
Manasquan Bank Wall Township New Jersey
Mediapolis Savings Bank Mediapolis Iowa
Mercantile Bank Grand Rapids Michigan
Meredith Village Savings Bank Meredith New Hampshire
Merrimack County Savings Bank Concord New Hampshire
MSU Federal Credit Union East Lansing Michigan
Nicolet National Bank Green Bay Wisconsin
North American Banking Company Roseville Minnesota
Northwestern Bank Chippewa Falls Wisconsin
Oak View National Bank Warrenton Virginia
Pegasus Bank Dallas Texas
Peoples Bank Clifton Tennessee
Pima Federal Credit Union Tucson Arizona
Points West Community Bank Julesburg Colorado
Royal Banks of Missouri University City Missouri
Royal Credit Union Eau Claire Wisconsin
Salem Five Bank Salem Massachusetts
Savings Bank of Walpole Walpole New Hampshire
Service Credit Union Portsmouth New Hampshire
Star One Credit Union Sunnyvale California
Sunrise Bank St. Paul Minnesota
The Clay City Banking Company Clay City Illinois
United Nations Federal Credit Union Long Island City New York
U.S. Bank Cincinnati Ohio
United Bankers' Bank Bloomington Minnesota
University of Michigan Credit Union Ann Arbor Michigan
U.S. Department of the Treasury's Bureau of the Fiscal Service Washington D.C.  
Veridian Credit Union Waterloo Iowa
Waterfall Bank Clearwater Florida
Wells Fargo Bank N.A. San Francisco California
Wells River Savings Bank Wells River Vermont
Westside State Bank Halbur Iowa
Whitesville State Bank Whitesville West Virginia

Settlement Agents and Liquidity Providers

Settlement Agents and Liquidity Providers
Organization Name City State
Alloya Corporate Federal Credit Union Naperville Illinois
Atlantic Community Bankers Bank Camp Hill Pennsylvania
Bankers' Bank of the West Denver Colorado
Bankers’ Bank of Kansas Wichita Kansas
BNY Mellon New York New York
Catalyst Corporate Federal Credit Union Plano Texas
Community Bankers' Bank Midlothian Virginia
Corporate America Credit Union Irondale Alabama
Corporate One Federal Credit Union Columbus Ohio
Eastern Corporate Federal Credit Union Burlington Massachusetts
First National Bankers Bank (FNBB) Baton Rouge Louisiana
Midwest Independent Bankers Bank Jefferson City Missouri
Millennium Corporate Credit Union Wichita Kansas
PCBB Walnut Creek California
Quad City Bank & Trust Bettendorf Iowa
The Bancorp Sioux Falls South Dakota
The Bankers Bank Oklahoma City Oklahoma
TIB, NA Dallas Texas
United Bankers’ Bank Bloomington Minnesota
Vizo Financial Corporate Credit Union Greensboro North Carolina

Certified Service Providers

Certified Service Providers
  Participation Types
Organization Name Receive Only Send and Receive Receive RFP* Liquidity Management Transfer
ACI Worldwide Corp. Is Supported Is Supported Is Supported Is Supported
Alacriti Is Supported Is Supported Is Supported Is Supported
Aptys Solutions Is Supported      
BNY Mellon Is Supported Is Supported Is Supported  
CSI Is Supported Is Supported   Is Supported
ECS Fin Inc. Is Supported Is Supported Is Supported Is Supported
Finastra Is Supported Is Supported    
Finzly Is Supported Is Supported    
FIS Is Supported      
Fiserv Solutions, LLC (Fiserv NOW, Fiserv Payments Exchange) Is Supported Is Supported    
Form3 Is Supported      
FPS Gold Is Supported Is Supported   Is Supported
Jack Henry Is Supported Is Supported Is Supported Is Supported
Juniper Payments, a PSCU Company Is Supported Is Supported   Is Supported
Open Payment Network Is Supported Is Supported Is Supported Is Supported
Pidgin, Inc. Is Supported Is Supported Is Supported Is Supported
SHAZAM Is Supported      
Temenos Is Supported      
Vertifi Software, LLC Is Supported Is Supported Is Supported  
Visa Is Supported      

*All organizations certified to Receive Only or Send and Receive Credit Transfer may send a request for payment (RFP). Receive RFP is a configurable setting of the Send and Receive participation type. For more information, refer to the FedNow Service Operating Procedures.

Last Updated: September 18, 2023

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