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
| Organization Name | City | State |
|---|---|---|
| 1st Bank Yuma | Yuma | Arizona |
| 1st Source Bank | South Bend | Indiana |
| 1st Summit Bank | Johnstown | Pennsylvania |
| Abbott Laboratories ECU | Gurnee | Illinois |
| Access Community Credit Union | Amarillo | Texas |
| ACCESSbank | Omaha | Nebraska |
| Addition Financial Credit Union | Lake Mary | Florida |
| Adirondack Trust Company | Saratoga Springs | New York |
| Advantage One Credit Union | Brownstown | Michigan |
| Adyen | San Francisco | California |
| Affinity Bank, National Association | Covington | Georgia |
| Alabama Teachers Credit Union | Gadsden | Alabama |
| Alliance Bank | Cape Girardeau | Missouri |
| AllNations Bank | Calumet | Oklahoma |
| Amarillo National Bank | Amarillo | Texas |
| American Commercial Bank & Trust, N.A. | Ottawa | Illinois |
| American Community Bank & Trust | Woodstock | Illinois |
| American National Bank | Omaha | Nebraska |
| American National Bank & Trust | Wichita Falls | Texas |
| Americana Community Bank | Sleepy Eye | Minnesota |
| Ameris Bank | Atlanta | Georgia |
| Anchor State Bank | Anchor | Illinois |
| Apple Federal Credit Union | Fairfax | Virginia |
| Arbor Bank | Nebraska City | Nebraska |
| Arcadian Bank | Albert Lea | Minnesota |
| Asian Bank | Philadelphia | Pennsylvania |
| Auburn Banking Company | Auburn | Kentucky |
| Auburn Savings Bank | Auburn | Maine |
| AVB Bank | Broken Arrow | Oklahoma |
| Avidia Bank | Hudson | Massachusetts |
| BAC Community Bank | Stockton | California |
| Baltimore County Employees Federal Credit Union | Towson | Maryland |
| BancFirst | Oklahoma City | Oklahoma |
| Bangor Savings Bank | Bangor | Maine |
| Bank & Trust Company | Litchfield | Illinois |
| Bank Five Nine | Oconomowoc | Wisconsin |
| Bank Independent | Sheffield | Alabama |
| Bank Irvine | Irvine | California |
| Bank of Alma | Alma | Wisconsin |
| Bank of Belleville | Belleville | Illinois |
| Bank of Bozeman | Bozeman | Montana |
| Bank of Burlington | South Burlington | Vermont |
| Bank of Central Florida | Lakeland | Florida |
| Bank of Edmonson County | Brownsville | Kentucky |
| Bank of Estes Park | Estes Park | Colorado |
| Bank of Franklin County | Washington | Missouri |
| Bank of Hillsboro | Hillsboro | Illinois |
| Bank of Hindman | Hindman | Kentucky |
| Bank of Iberia | Iberia | Missouri |
| Bank of Jamestown | Jamestown | Kentucky |
| Bank of Mauston | Mauston | Wisconsin |
| Bank of New Hampshire | Laconia | New Hampshire |
| Bank of North Dakota | Bismarck | North Dakota |
| Bank of Odessa | Odessa | Missouri |
| Bank of Rantoul | Rantoul | Illinois |
| Bank of San Francisco | San Francisco | California |
| Bank of Springfield | Springfield | Illinois |
| Bank of Stockton | Stockton | California |
| Bank of Tescott | Tescott | Kansas |
| Bank of the James | Lynchburg | Virginia |
| Bank of the West | Grapevine | Texas |
| Bank of Weston | Weston | Missouri |
| Bank of York | York | South Carolina |
| BankCDA | Coeur d'Alene | Idaho |
| BankChampaign, N.A. | Champaign | Illinois |
| BankNewport | Middletown | Rhode Island |
| BankSouth | Greensboro | Georgia |
| BayFirst National Bank | Seminole | Florida |
| BCBank | Philippi | West Virginia |
| Beacon Credit Union | Lynchburg | Virginia |
| Belmont Bank & Trust Company | Chicago | Illinois |
| Bluestone Bank | Raynham | Massachusetts |
| BMI Federal Credit Union | Dublin | Ohio |
| BNY Mellon | New York | New York |
| Branson Bank | Branson | Missouri |
| Bridge Community Bank | Mechanicsville | Iowa |
| Bryant Bank | Birmingham | Alabama |
| BTC Bank | Bethany | Missouri |
| Buffalo Federal Bank | Buffalo | Wyoming |
| California Coast Credit Union | San Diego | California |
| California International Bank, N.A. | Westminster | California |
| CAMPUS USA Credit Union | Gainesville | Florida |
| Canvas Credit Union | Lone Tree | Colorado |
| Cape Cod 5 | Hyannis | Massachusetts |
| Capitol Credit Union | Austin | Texas |
| Cardinal Credit Union | Mentor | Ohio |
| Carrollton Bank | Carrollton | Illinois |
| Carter Bank & Trust | Martinsville | Virginia |
| Carver Federal Savings Bank | New York | New York |
| Casey State Bank | Casey | Illinois |
| CB&S Bank | Russellville | Alabama |
| CBBC Bank | Maryville | Tennessee |
| CBI Bank & Trust | Muscatine | Iowa |
| CBW Bank | Weir | Kansas |
| CCBank | Orem | Utah |
| CenterBank | Milford | Ohio |
| Centier Bank | Merrillville | Indiana |
| Central National Bank | Junction City | Kansas |
| Central Valley Community Bank | Fresno | California |
| Century Bank of Kentucky | Lawrenceburg | Kentucky |
| Chain Bridge Bank, N.A. | McLean | Virginia |
| Chesapeake Bank | Kilmarnock | Virginia |
| Chesapeake Bank and Trust | Chestertown | Maryland |
| Citadel Federal Credit Union | Exton | Pennsylvania |
| Citizens Alliance Bank | Clara City | Minnesota |
| Citizens Bank | Mooresville | Indiana |
| Citizens Bank | Elizabethton | Tennessee |
| Citizens Bank & Trust | Guntersville | Alabama |
| Citizens Bank of Americus | Americus | Georgia |
| Citizens Bank of Cumberland County | Burkesville | Kentucky |
| Citizens Bank of Edmond | Edmond | Oklahoma |
| Citizens Bank of Las Cruces | Las Cruces | New Mexico |
| Citizens Bank of West Virginia | Elkins | West Virginia |
| Citizens First Bank | Clinton | Iowa |
| Citizens Guaranty Bank | Irvine | Kentucky |
| Citizens National Bank | Bluffton | Ohio |
| Citizens National Bank | Sevierville | Tennessee |
| Citizens National Bank of Cheboygan | Cheboygan | Michigan |
| Citizens Savings Bank and Trust Company | Nashville | Tennessee |
| Citizens State Bank | New Castle | Indiana |
| Citizens State Bank | Cheney | Kansas |
| Citizens State Bank | Roma | Texas |
| Citizens State Bank | Hudson | Wisconsin |
| Citizens State Bank of La Crosse | Clayton | Wisconsin |
| City Bank | Lubbock | Texas |
| City National Bank | Metropolis | Illinois |
| City National Bank | Colorado City | Texas |
| City National Bank | Charleston | West Virginia |
| Claremont Savings Bank | Claremont | New Hampshire |
| CLB The Community Bank | Jonesville | Louisiana |
| Clearview Federal Credit Union | Moon Township | Pennsylvania |
| Clinton Bank | Clinton | Kentucky |
| CNB Bank | Carlsbad | New Mexico |
| CNB Bank & Trust, N.A. | Carlinville | Illinois |
| Coastal Heritage Bank | Weymouth | Massachusetts |
| Coconino FCU | Flagstaff | Arizona |
| Colfax Banking Company | Colfax | Louisiana |
| Colorado Credit Union | Littleton | Colorado |
| Column National Association | Chico | California |
| Commencement Bank | Tacoma | Washington |
| Commerce Bank | Corinth | Mississippi |
| CommerceOne Bank | Birmingham | Alabama |
| Commercial Bank of Grayson | Grayson | Kentucky |
| Commercial Savings Bank | Carroll | Iowa |
| Commercial State Bank | Republican City | Nebraska |
| Commonwealth Credit Union | Frankfort | Kentucky |
| Community Bank, N.A. | Dewitt | New York |
| Community Bank | Lexington | Tennessee |
| Community Bank of Mississippi | Forest | Mississippi |
| Community Bank of Oklahoma | Verden | Oklahoma |
| Community Bank of the Bay | Oakland | California |
| Community Bank of the South | Merritt Island | Florida |
| Community Financial Services Bank | Benton | Kentucky |
| Community First Bank | Menahga | Minnesota |
| Community First Bank | Boscobel | Wisconsin |
| Community First Bank of Indiana | Kokomo | Indiana |
| Community First Bank of the Heartland | Mount Vernon | Illinois |
| Community National Bank & Trust | Chanute | Kansas |
| Community Spirit Bank | Red Bay | Alabama |
| Community State Bank | Brook | Indiana |
| Community Unity Bank | Birmingham | Michigan |
| Community Valley Bank | El Centro | California |
| Consumers Cooperative Credit Union | Gurnee | Illinois |
| Consumers National Bank | Minerva | Ohio |
| Conway Bank | Conway Springs | Kansas |
| Conway National Bank | Conway | South Carolina |
| Cornerstone National Bank & Trust Company | Palatine | Illinois |
| Corporate America Credit Union | Irondale | Alabama |
| Corporate One Federal Credit Union | Columbus | Ohio |
| Crane Credit Union | Odon | Indiana |
| Cross Keys Bank | St. Joseph | Louisiana |
| Cross River Bank | Teaneck | New Jersey |
| Crossroads Bank | Effingham | Illinois |
| CSE Federal Credit Union | Sulphur | Louisiana |
| Cumberland Security Bank | Eubank | Kentucky |
| Cypress Bank & Trust | Melbourne | Florida |
| Dart Bank | Mason | Michigan |
| DATCU | Denton | Texas |
| Dean Bank | Franklin | Massachusetts |
| Decatur County Bank | Decaturville | Tennessee |
| Dedicated Community Bank | Darlington | South Carolina |
| Denison State Bank | Holton | Kansas |
| Digital Federal Credit Union | Marlborough | Massachusetts |
| Dime Community Bank | Hauppauge | New York |
| Dolores State Bank | Dolores | Colorado |
| EagleBank | Silver Spring | Maryland |
| EasCorp | Burlington | Massachusetts |
| Elevations Credit Union | Boulder | Colorado |
| Elkhorn Valley Bank and Trust | Norfolk | Nebraska |
| Empire State Bank | Newburgh | New York |
| Endeavor Bank | San Diego | California |
| Enterprise Bank | Allison Park | Pennsylvania |
| EntreBank | Bloomington | Minnesota |
| Evergreen National Bank | Evergreen | Colorado |
| Evermore Bank | Fort Lauderdale | Florida |
| Exchange Bank of Alabama | Attalla | Alabama |
| F&C Bank | Holden | Missouri |
| Fairfield National Bank | Fairfield | Illinois |
| Farmers & Merchants Bank | Boswell | Indiana |
| Farmers & Merchants Bank | Saint Clair | Missouri |
| Farmers & Merchants Bank | Milford | Nebraska |
| Farmers & Merchants Bank of North Dakota | Tolna | North Dakota |
| Farmers & Merchants State Bank | Bushnell | Illlinois |
| Farmers Bank | Pomeroy | Ohio |
| Farmers Bank & Trust | Magnolia | Arkansas |
| Farmers Bank & Trust Company | Marion | Kentucky |
| Farmers Bank & Trust Company | Princeton | Kentucky |
| Farmers National Bank | Lebanon | Kentucky |
| Farmers National Bank of Griggsville | Griggsville | Illinois |
| Farmers Savings Bank | Marshalltown | Iowa |
| Farmers State Bank | Galva | Kansas |
| Farmers State Bank of Alto Pass | Harrisburg | Illinois |
| Farmers State Bank of Calhan | Calhan | Colorado |
| Farmers Trust & Savings Bank | Buffalo Center | Iowa |
| Farmers Trust & Savings Bank | Spencer | Iowa |
| FBT Bank | Fordyce | Arkansas |
| FCN Bank NA | Brookville | Indiana |
| FCNB Bank | Steelville | Missouri |
| FFB Bank | Fresno | California |
| Firefighters Community Credit Union | Cleveland | Ohio |
| First & Farmers National Bank, Inc. | Somerset | Kentucky |
| First American Bank & Trust | Athens | Georgia |
| First Bank | Clewiston | Florida |
| First Bank | Carmi | Illinois |
| First Bank | Waverly | Iowa |
| First Bank | Weatherford | Texas |
| First Bank of Boaz | Boaz | Alabama |
| First Bethany Bank & Trust | Bethany | Oklahoma |
| First Business Bank | Madison | Wisconsin |
| First Citizens State Bank | Whitewater | Wisconsin |
| First Commercial Bank | Jackson | Mississippi |
| First Community Bank | Bluefield | Virginia |
| First Community Bank and Trust | Beecher | Illinois |
| First Community Bank of the Heartland | Clinton | Kentucky |
| First Community Bank of Hillsboro | Hillsboro | Illinois |
| First Community Credit Union | Coquille | Oregon |
| First Enterprise Bank | Oklahoma City | Oklahoma |
| First Farmers and Merchants Bank | Columbia | Tennessee |
| First Federal Bank | Tuscaloosa | Alabama |
| First Federal Bank | Twin Falls | Idaho |
| First Federal Bank & Trust | Sheridan | Wyoming |
| First Fidelity Bank | Oklahoma City | Oklahoma |
| First Financial Bank | Abilene | Texas |
| First Financial Bank | Abilene | Texas |
| First Florida Credit Union | Jacksonville | Florida |
| First Internet Bank of Indiana | Indianapolis | Indiana |
| First Kentucky Bank | Mayfield | Kentucky |
| First National Bank | Walnut Ridge | Arkansas |
| First National Bank | Damariscotta | Maine |
| First National Bank | Williamson | West Virgnia |
| First National Bank & Trust | Okmulgee | Oklahoma |
| First National Bank & Trust Co. of McAlester | McAlester | Oklahoma |
| First National Bank and Trust | Phillipsburg | Kansas |
| First National Bank at St. James | St. James | Minnesota |
| First National Bank Colorado | Las Animas | Colorado |
| First National Bank Cooper | Cooper | Texas |
| First National Bank in Fredonia | Fredonia | Kansas |
| First National Bank North | Walker | Minnesota |
| First National Bank of Brooksville | Brooksville | Kentucky |
| First National Bank of Eagle Lake | Eagle Lake | Texas |
| First National Bank of Hereford | Hereford | Texas |
| First National Bank of Kentucky | Carrollton | Kentucky |
| First National Bank of Monterey | Monterey | Indiana |
| First National Bank of Osakis | Osakis | Minnesota |
| First National Bank of Stanton | Stanton | Texas |
| First Pioneers FCU | Lafayette | Louisiana |
| First PREMIER Bank | Sioux Falls | South Dakota |
| First Pryority Bank | Pryor | Oklahoma |
| First Seacoast Bank | Dover | New Hampshire |
| First Security Bank & Trust | Charles City | Iowa |
| First Security State Bank | Cranfills Gap | Texas |
| First Security Trust and Savings Bank | Elmwood Park | Illinois |
| First South Financial Credit Union | Bartlett | Tennessee |
| First Southern Bank | Florence | Alabama |
| First Southern National Bank | Stanford | Kentucky |
| First Southern State Bank | Stevenson | Alabama |
| First State Bank | Buxton | North Dakota |
| First State Bank | Winchester | Ohio |
| First State Bank | Ben Wheeler | Texas |
| First State Bank | Gainesville | Texas |
| First State Bank | Graham | Texas |
| First State Bank | Spearman | Texas |
| First State Bank & Trust Company, Inc. | Caruthersville | Missouri |
| First State Bank Nebraska | Lincoln | Nebraska |
| First State Bank of Beecher City | Beecher City | Illinois |
| First State Bank of Dongola | Dongola | Illinois |
| First State Bank of Forrest | Forrest | Illinois |
| First State Bank of Porter | Porter | Indiana |
| First State Bank of the Florida Keys | Key West | Florida |
| First State Bank of Wyoming | Wyoming | Minnesota |
| First Trust and Savings Bank | Wheatland | Iowa |
| First United Bank and Trust Company | Madisonville | Kentucky |
| First Western Bank & Trust | Minot | North Dakota |
| Fisher National Bank | Fisher | Illinois |
| Five Points Bank of Hastings | Hastings | Nebraska |
| Five Star Bank | Roseville | California |
| Five Star Credit Union | Dothan | Alabama |
| Flagship Bank | Oldsmar | Florida |
| Flatwater Bank | Gothenburg | Nebraska |
| Flint Community Bank | Albany | Georgia |
| FM Bank | Breaux Bridge | Louisiana |
| FNB Bank | Mayfield | Kentucky |
| FNB Bank | Romney | West Virginia |
| FNB Community Bank | Vandalia | Illinois |
| FNB Community Bank | Midwest City | Oklahoma |
| Fort Davis State Bank | Fort Davis | Texas |
| Fort Worth City Credit Union | Fort Worth | Texas |
| Fortifi Bank | Berlin | Wisconsin |
| Forward Bank | Marshfield | Wisconsin |
| Founders Bank | Washington | D.C. |
| Four Corners Community Bank | Farmington | New Mexico |
| Fourth Capital Bank | Nashville | Tennessee |
| Franklin Bank & Trust Company | Franklin | Kentucky |
| Franklin Savings Bank | Farmington | Maine |
| FRB Federal Credit Union | Washington | D.C. |
| Fredonia Valley Bank | Fredonia | Kentucky |
| Freedom Bank | Alamo | Texas |
| Freedom Bank | Belington | West Virginia |
| Freedom First | Roanoke | Virginia |
| Frontier Bank of Texas | Elgin | Texas |
| Gain Federal Credit Union | Burbank | California |
| Georgia Banking Company | Atlanta | Georgia |
| Georgia United Credit Union | Duluth | Georgia |
| Glenwood State Bank | Glenwood | Iowa |
| Glenwood State Bank | Glenwood | Minnesota |
| Global Innovations Bank | Kiester | Minnesota |
| Goldenwest Credit Union | Ogden | Utah |
| Goodfield State Bank | Goodfield | Illinois |
| Goppert Financial Bank | Lathrop | Missouri |
| Goppert State Service Bank | Garnett | Kansas |
| Gorham Savings Bank | Gorham | Maine |
| Granite Bank | Cold Spring | Minnesota |
| Great Plains Federal Credit Union | Joplin | Missouri |
| Great Rivers Bank | Barry | Illinois |
| GreenState Credit Union | North Liberty | Iowa |
| Grove Bank & Trust | Miami | Florida |
| Grundy Bank | Morris | Illinois |
| Guardian Bank | Valdosta | Georgia |
| Gulf Coast Bank & Trust | New Orleans | Louisiana |
| Gulf Coast Business Bank | Fort Myers | Florida |
| Harmony Bank | Garland | Texas |
| HawaiiUSA Federal Credit Union | Honolulu | Hawaii |
| Hawthorn Bank | Jefferson City | Missouri |
| Heartland Bank | Whitehall | Ohio |
| Henderson State Bank | Henderson | Nebraska |
| Heritage Bank | Erlanger | Kentucky |
| Heritage Bank & Trust | Columbia | Tennessee |
| Heritage Bank, NA | Spicer | Minnesota |
| Heritage Grove Federal Credit Union | Salem | Oregon |
| Heritage South Credit Union | Sylacauga | Alabama |
| High Plains Bank | Flagler | Colorado |
| Hocking Valley Bank | Athens | Ohio |
| Home Bank, SB | Martinsville | Indiana |
| Home Federal Savings & Loan | Grand Island | Nebraska |
| HomeBank | Palmyra | Missouri |
| Homebank Texas | Seagoville | Texas |
| Hometown Bank | Corbin | Kentucky |
| Hometown National Bank | La Salle | Illinois |
| Horizon Bank | Austin | Texas |
| Idaho Central Credit Union | Chubbuck | Idaho |
| INB | Springfield | Illinois |
| Incommons Bank | Mexia | Texas |
| IncredibleBank | Wausau | Wisconsin |
| Indiana Members Credit Union | Indianapolis | Indiana |
| Indiana University Credit Union | Bloomington | Indiana |
| Industrial Credit Union | Bellingham | Washington |
| Infinity Bank | Santa Ana | California |
| InFirst Bank | Indiana | Pennsylvania |
| InsBank | Nashville | Tennessee |
| INSOUTH Bank | Brownsville | Tennessee |
| Institution for Savings | Newburyport | Massachusetts |
| Integrity Bank & Trust | Monument | Colorado |
| Interfaith Federal Credit Union | Montclair | California |
| Interra Credit Union | Goshen | Indiana |
| Interstate Bank | Perryton | Texas |
| InTouch Credit Union | Plano | Texas |
| INTRUST Bank National Association | Wichita | Kansas |
| Inwood National Bank | Dallas | Texas |
| Iowa State Bank | Clarksville | Iowa |
| Iroquois Federal | Watseka | Illinois |
| Isabella Bank | Mount Pleasant | Michigan |
| Jacksboro National Bank | Jacksboro | Texas |
| Jackson County Bank | McKee | Kentucky |
| Jarrettsville Federal Savings and Loan Association | Jarrettsville | Maryland |
| JD Bank | Jennings | Louisiana |
| Jones Bank | Seward | Nebraska |
| Jonestown Bank & Trust Co. | Cleona | Pennsylvania |
| JPMorgan Chase | New York | New York |
| Kimberly Clark Credit Union | Memphis | Tennessee |
| Kinecta Federal Credit Union | Manhattan Beach | California |
| Kish Bank | Belleville | Pennsylvania |
| La Salle State Bank | La Salle | Illinois |
| Labette Bank | Parsons | Kansas |
| Lake Ridge Bank | Cross Plains | Wisconsin |
| Lake-Osceola State Bank | Baldwin | Michigan |
| Lakeview Bank | Lakeville | Minnesota |
| Lea County State Bank | Hobbs | New Mexico |
| Legacy Community Federal Credit Union | Birmingham | Alabama |
| Legence Bank | Eldorado | Illinois |
| Lexicon Bank | Las Vegas | Nevada |
| LGE Community Credit Union | Atlanta | Georgia |
| LifeStore Bank | West Jefferson | North Carolina |
| Lincoln National Bank | Hodgenville | Kentucky |
| LNB Community Bank | Lynnville | Indiana |
| Lone Star Capital Bank, N.A. | San Antonio | Texas |
| Lowry State Bank | Lowry | Minnesota |
| M&F Bank | Durham | North Carolina |
| MA Bank | Macon | Missouri |
| Magnolia State Bank | Eastman | Georgia |
| Main Bank | Albuquerque | New Mexico |
| Maine Community Bank | Biddeford | Maine |
| MainStreet Bank | Fairfax | Virginia |
| Malaga Bank | Palos Verdes Estates | California |
| Manasquan Bank | Wall Township | New Jersey |
| MAX Credit Union | Montgomery | Alabama |
| McCoy Federal Credit Union | Orlando | Florida |
| MCNB Bank and Trust Co. | Welch | West Virginia |
| Mediapolis Savings Bank | Mediapolis | Iowa |
| Members 1st Federal Credit Union | Enola | Pennsylvania |
| Memphis City Employees Credit Union | Memphis | Tennessee |
| Mercantile Bank | Grand Rapids | Michigan |
| Merchants & Farmers Bank of Greene County | Eutaw | Alabama |
| Merchants Bank of Indiana | Carmel | Indiana |
| Merchants Commercial Bank | St. Thomas | Virgin Islands |
| Meredith Village Savings Bank | Meredith | New Hampshire |
| Meriwest Credit Union | San Jose | California |
| Merrimack County Savings Bank | Concord | New Hampshire |
| Metamora State Bank | Metamora | Ohio |
| Metro Bank | Pell City | Alabama |
| MidAmerica National Bank | Canton | Illinois |
| Middlesex Savings Bank | Natick | Massachusetts |
| MidFirst Bank | Oklahoma City | Oklahoma |
| Mid-Southern Savings Bank, FSB | Salem | Indiana |
| Midwest National Bank | Sandoval | Illinois |
| MidWestOne Bank | Iowa City | Iowa |
| Millennium Bank | Ooltewah | Tennessee |
| Minnesota National Bank | Sauk Centre | Minnesota |
| MinnStar Bank | Lake Crystal | Minnesota |
| MNB Bank | McCook | Nebraska |
| Monticello Banking Company | Monticello | Kentucky |
| Moody National Bank | Galveston | Texas |
| Morgantown Bank & Trust Company Inc. | Morgantown | Kentucky |
| Mountain America Credit Union | West Jordan | Utah |
| Mountain Credit Union | Waynesville | North Carolina |
| Movement Bank | Danville | Virginia |
| MSU Federal Credit Union | East Lansing | Michigan |
| Mt. McKinley Bank | Fairbanks | Alaska |
| Murphy-Wall State Bank and Trust Company | Pinckneyville | Illinois |
| Mutual Savings Bank | Franklin | Indiana |
| My Community Credit Union | Midland | Texas |
| MyPoint Credit Union | San Diego | California |
| Neighborhood Credit Union | Dallas | Texas |
| Neighborhood National Bank | Mora | Minnesota |
| NESC Federal Credit Union | Methuen | Massachusetts |
| New Market Bank | Elko New Market | Minnesota |
| Nicolet National Bank | Green Bay | Wisconsin |
| North Alabama Bank | Hazel Green | Alabama |
| North Alabama Educators Credit Union | Huntsville | Alabama |
| North American Banking Company | Roseville | Minnesota |
| North Central Bank | Hennepin | Illinois |
| North Shore Bank of Commerce | Duluth | Minnesota |
| North State Bank | Raleigh | North Carolina |
| Northeast Bank | Minneapolis | Minnesota |
| Northern Skies Federal Credit Union | Anchorage | Alaska |
| Northwest Federal Credit Union | Herndon | Virginia |
| Northfield Bank | Staten Island | New York |
| Northwestern Bank | Chippewa Falls | Wisconsin |
| Numerica Credit Union | Spokane Valley | Washington |
| Oak View National Bank | Warrenton | Virginia |
| Oakworth Capital Bank | Birmingham | Alabama |
| Ocean Bank | Miami | Florida |
| Oklahoma's Credit Union | Oklahoma City | Oklahoma |
| Old Dominion National Bank | North Garden | Virginia |
| OMB Bank | Springfield | Missouri |
| One Florida Bank | Orlando | Florida |
| ORNL Federal Credit Union | Oak Ridge | Tennessee |
| Oxford Bank | Oxford | Michigan |
| Pacific Service Credit Union | Concord | California |
| Partner Colorado Credit Union | Arvada | Colorado |
| Pavillion Bank | Richardson | Texas |
| PBK Bank | Stanford | Kentucky |
| Pegasus Bank | Dallas | Texas |
| People Driven Credit Union | Southfield | Michigan |
| People's Bank | Medford | Oregon |
| Peoples Bank | Magnolia | Arkansas |
| Peoples Bank | Rock Valley | Iowa |
| Peoples Bank | Mendenhall | Mississippi |
| Peoples Bank | Clifton | Tennessee |
| Peoples Bank | Lubbock | Texas |
| Peoples Bank Mt. Washington | Mount Washington | Kentucky |
| Peoples Bank of Alabama | Cullman | Alabama |
| Peoples Bank of East Tennessee | Madisonville | Tennessee |
| Peoples National Bank | Mount Vernon | Illinois |
| Peoples National Bank of Kewanee | Kewanee | Illinois |
| Peoples Savings Bank | Rhineland | Missouri |
| Peoples State Bank | Shepherd | Texas |
| Peoples Trust & Savings Bank | Boonville | Indiana |
| Perryton National Bank | Perryton | Texas |
| Phenix-Girard Bank | Phenix City | Alabama |
| Pillar Bank | Baldwin | Wisconsin |
| Pima Federal Credit Union | Tucson | Arizona |
| Pine Bluff Cotton Belt FCU | Pine Bluff | Arkansas |
| Pinnacle Bank | Marshalltown | Iowa |
| Pioneer Federal Credit Union | Mountain Home | Idaho |
| Plains State Bank | Humble | Texas |
| Platinum Federal Credit Union | Duluth | Georgia |
| Pleasants County Bank | St. Marys | West Virginia |
| Poca Valley Bank | Walton | West Virginia |
| Points West Community Bank | Julesburg | Colorado |
| Portage Community Bank | Ravenna | Ohio |
| Powell State Bank | Powell | Texas |
| Preferred Bank | Rothville | Missouri |
| Premier Bank | Dubuque | Iowa |
| Premier Bank | Omaha | Nebraska |
| Princeville State Bank | Princeville | Illinois |
| Progressive National Bank | Mansfield | Louisiana |
| Range Bank | Marquette | Michigan |
| Redstone Federal Credit Union | Huntsville | Alabama |
| Redwood Credit Union | Santa Rosa | California |
| Relyance Bank | White Hall | Arkansas |
| Renasant Bank | Tupelo | Mississippi |
| Republic Bank of Arizona | Phoenix | Arizona |
| RG Bank | Monte Vista | Colorado |
| River Bank & Trust | Prattville | Alabama |
| River Valley Community Bank | Yuba City | California |
| Riverfront Federal Credit Union | Wyomissing | Pennsylvania |
| Rivertrust FCU | Pearl | Mississippi |
| RiverWood Bank | Baxter | Minnesota |
| Robertson Banking Company | Demopolis | Alabama |
| RockPointBank | Chattanooga | Tennessee |
| Roosevelt Bank | Carteret | New Jersey |
| Royal Banks of Missouri | University City | Missouri |
| Royal Credit Union | Eau Claire | Wisconsin |
| Rushville State Bank | Rushville | Illinois |
| Sacramento Deposit Bank | Sacramento | Kentucky |
| Salem Five Bank | Salem | Massachusetts |
| Savings Bank of Walpole | Walpole | New Hampshire |
| SCE Federal Credit Union | El Monte | California |
| Scenic Community Credit Union | Hixson | Tennessee |
| SchoolsFirst Federal Credit Union | Tustin | California |
| Scott State Bank | Bethany | Illinois |
| Seaport Federal Credit Union | Elizabeth | New Jersey |
| Security Bank | Springfield | Illinois |
| Security Bank of Pulaski County | St. Robert | Missouri |
| Security Bank of Texas | Crawford | Texas |
| Security Federal Bank | Aiken | South Carolina |
| Security National Bank | Witt | Illinois |
| Security National Bank | Omaha | Nebraska |
| Security National Bank of Sioux City, IA | Sioux City | Iowa |
| Security National Bank of South Dakota | Dakota Dunes | South Dakota |
| Security State Bank | Scott City | Kansas |
| Sentry Bank | St. Joseph | Minnesota |
| Service Credit Union | Portsmouth | New Hampshire |
| Shelby State Bank | Shelby | Michigan |
| Sherburne State Bank | Becker | Minnesota |
| Signature Bank of Arkansas | Fayetteville | Arkansas |
| Silver Lake Bank | Silver Lake | Kansas |
| Silver State Schools Credit Union | Las Vegas | Nevada |
| Simmesport State Bank | Simmesport | Louisiana |
| South Coast Bank | Brunswick | Georgia |
| South Georgia Banking Company | Tifton | Georgia |
| South Louisiana Bank | Houma | Louisiana |
| Southern Bank | Sardis | Georgia |
| Southern Bank of Tennessee | Mount Juliet | Tennessee |
| Southern Independent Bank | Opp | Alabama |
| Southern Michigan Bank & Trust | Coldwater | Michigan |
| SouthernTrustBank | Goreville | Illinois |
| Southwest Airlines Federal Credit Union | Dallas | Texas |
| SouthWest Bank | Odessa | Texas |
| Spectra Bank | Fort Worth | Texas |
| STAR Financial Bank | Fort Wayne | Indiana |
| Star One Credit Union | Fort Wayne | Indiana |
| State Bank Northwest | Spokane Valley | Washington |
| State Bank of Cherry | Cherry | Illinois |
| State Bank of Newburg | Newburg | Virginia |
| State Bank of Whittington | Whittington | Illinois |
| State National Bank | Big Spring | Texas |
| Stellar Bank | Houston | Texas |
| Stock Yards Bank & Trust | Louisville | Kentucky |
| Studio Bank | Nashville | Tennessee |
| SUMA Federal Credit Union | Yonkers | New York |
| Summit State Bank | Santa Rosa | California |
| Sunrise Banks | St. Paul | Minnesota |
| Sunstate Bank | Miami | Florida |
| Susquehanna Community Bank | West Milton | Pennsylvania |
| Sweet Water State Bank | Sweet Water | Alabama |
| T Bank | Dallas | Texas |
| Territorial Savings Bank | Honolulu | Hawaii |
| Texana Bank | Linden | Texas |
| Texas Bank and Trust Company | Longview | Texas |
| Texas First Bank | Texas City | Texas |
| Texas Heritage Bank | Boerne | Texas |
| Texas Heritage National Bank | Daingerfield | Texas |
| Texas National Bank | Mercedes | Texas |
| Texas National Bank | Sweetwater | Texas |
| Texas Republic Bank, N.A. | Frisco | Texas |
| TexasBank | Brownwood | Texas |
| TFNB | McGregor | Texas |
| The Bankers Bank | Oklahoma City | Oklahoma |
| The Callaway Bank | Fulton | Missouri |
| The Cecilian Bank | Cecilia | Kentucky |
| The Citizens Bank | Hickman | Kentucky |
| The Citizens Bank | Weston | West Virginia |
| The Claxton Bank | Claxton | Georgia |
| The Clay City Banking Company | Clay City | Illinois |
| The Colorado Bank & Trust Company | La Junta | Colorado |
| The Commercial Bank | Winterville | Georgia |
| The Community Bank | Zanesville | Iowa |
| The Dime Bank | Honesdale | Pennsylvania |
| The Exchange Bank | Skiatook | Oklahoma |
| The Farmers State Bank and Trust Company | Jacksonville | Illinois |
| The First Bank & Trust Company of Murphysboro | Murphysboro | Illinois |
| The First National Bank | Allendale | Illinois |
| The First National Bank of Bangor | Bangor | Wisconsin |
| The First National Bank of Bellevue | Bellevue | Ohio |
| The First National Bank of Mertzon | Mertzon | Texas |
| The First State Bank of Boise City | Boise City | Oklahoma |
| The First Trust and Savings Bank of Watseka | Watseka | Illinois |
| The Grant County Bank | Petersburg | West Virginia |
| The Harvard State Bank | Harvard | Illinois |
| The HomeTown Bank of Alabama | Oneonta | Alabama |
| The Honesdale National Bank | Honesdale | Pennsylvania |
| The Iuka State Bank | Salem | Illinois |
| The Murray Bank | Murray | Kentucky |
| The Peoples Bank | Taylorsville | Kentucky |
| The State Bank | La Junta | Colorado |
| The Waterford Commercial & Savings Bank | Waterford | Ohio |
| Timberland Bank | Hoquiam | Washington |
| Tompkins Community Bank | Ithaca | New York |
| Tower Community Bank | Jasper | Tennessee |
| Triad Bank | Frontenac | Missouri |
| Tri-County Bank & Trust | Roachdale | Indiana |
| Tru-Fi Credit Union | Macclenny | Florida |
| TruStone Financial | Plymouth | Minnesota |
| Tulare County Federal Credit Union | Tulare | California |
| U.S. Bank | Cincinnati | Ohio |
| U.S. Department of the Treasury's Bureau of the Fiscal Service | Washington | D.C. |
| UBank | Jellico | Tennessee |
| UNCLE Credit Union | Livermore | California |
| Union State Bank | Clay Center | Kansas |
| United Bank of Iowa | Ida Grove | Iowa |
| United Bankers' Bank | Bloomington | Minnesota |
| United Community Bank | Raceland | Louisiana |
| United Community Bank | Perham | Minnesota |
| United Community Bank of West Kentucky | Morganfield | Kentucky |
| United Cumberland Bank | Whitley City | Kentucky |
| United Farmers State Bank | Adams | Minnesota |
| United Federal Credit Union | St. Joseph | Michigan |
| United Nations Federal Credit Union | Long Island City | New York |
| United Southern Bank | Hopkinsville | Kentucky |
| University Bank | Ann Arbor | Michigan |
| University of Michigan Credit Union | Ann Arbor | Michigan |
| USALLIANCE Financial Federal Credit Union | Rye | New York |
| Utah First Federal Credit Union | Salt Lake City | Utah |
| Valor Bank | Edmond | Oklahoma |
| ValueBank Texas | Corpus Christi | Texas |
| Vantage West Credit Union | Tucson | Arizona |
| Veridian Credit Union | Waterloo | Iowa |
| Viking Bank | Alexandria | Minnesota |
| Village Bank | Midlothian | Virginia |
| VISIONBank | Fargo | North Dakota |
| Visions Federal Credit Union | Endicott | New York |
| Voyage Federal Credit Union | Sioux Falls | South Dakota |
| Washington State Bank | Effingham | Illinois |
| Waterfall Bank | Clearwater | Florida |
| Waterford Bank, N.A. | Toledo | Ohio |
| Waycross Bank & Trust | Waycross | Georgia |
| Wayne County Bank | Waynesboro | Tennessee |
| Webster First Federal Credit Union | Worcester | Massachusetts |
| Wells Fargo Bank N.A. | San Francisco | California |
| Wells River Savings Bank | Wells River | Vermont |
| West Bank | West Des Moines | Iowa |
| West Plains Bank and Trust Company | West Plains | Missouri |
| West Shore Bank | Ludington | Michigan |
| West Union Bank | West Union | West Virginia |
| Western Bank | Artesia | New Mexico |
| Western Cooperative Credit Union | Williston | North Dakota |
| Westside State Bank | Halbur | Iowa |
| Whitesville State Bank | Whitesville | West Virginia |
| Williamstown Bank Inc. | Williamstown | West Virginia |
| Wilson & Muir Bank & Trust Company | Bardstown | Kentucky |
| Wilson Bank & Trust | Lebanon | Tennessee |
| Winter Park National Park | Winter Park | Florida |
| WNB Financial | Winona | Minnesota |
| Wolf River Community Bank | Hortonville | Wisconsin |
| Wyoming Bank and Trust | Cheyenne | Wyoming |
| Y-12 Federal Credit Union | Oak Ridge | Tennessee |
| Yoakum National Bank | Yoakum | Texas |
Settlement Agents and Liquidity Providers
| Organization Name | City | State |
|---|---|---|
| Alloya Corporate Federal Credit Union | Naperville | Illinois |
| Amarillo National Bank | Amarillo | Texas |
| Atlantic Community Bankers Bank | Camp Hill | Pennsylvania |
| Bank of North Dakota | Bismarck | North Dakota |
| Bankers' Bank | Madison | Wisconsin |
| Bankers’ Bank of Kansas | Wichita | Kansas |
| Bankers' Bank of the West | Denver | Colorado |
| BNY Mellon | New York | New York |
| CapStar Bank | Nashville | Tennessee |
| Catalyst Corporate Federal Credit Union | Plano | Texas |
| Central Trust Bank | Jefferson City | Missouri |
| 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 Financial Bank | Abilene | Texas |
| First National Bankers Bank | Baton Rouge | Louisiana |
| ICBB | Frankfort | Kentucky |
| Midwest Independent BankersBank | Jefferson City | Missouri |
| Millennium Corporate Credit Union | Wichita | Kansas |
| National Cooperative Bank | Hillsboro | Ohio |
| PCBB | Walnut Creek | California |
| Quad City Bank & Trust | Bettendorf | Iowa |
| Security National Bank of Sioux City, IA | Sioux City | Iowa |
| ServisFirst Bank | Homewood | Alabama |
| SouthState Bank | Winter Haven | Florida |
| The Bancorp | Sioux Falls | South Dakota |
| The Bankers Bank | Oklahoma City | Oklahoma |
| TIB, N.A. | Dallas | Texas |
| Tricorp Federal Credit Union | Westbrook | Maine |
| United Bankers’ Bank | Bloomington | Minnesota |
| U.S. Bank | Cincinnati | Ohio |
| Vizo Financial Corporate Credit Union | Greensboro | North Carolina |
| Volunteer Corporate Credit Union | Nashville | Tennessee |
Certified Service Providers
| Participation Types | ||||
|---|---|---|---|---|
| Organization Name | Receive Only | Send and Receive | Receive RFP* | Liquidity Management Transfer |
| ACI Worldwide Corp. |  |
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| Alacriti | |
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| Aptys Solutions | |
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| BNY Mellon | |
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| C&M Software LLC | |
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| CGI | |
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| COCC, Inc. | |
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| CSI | |
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| ECS Fin Inc. | |
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| Finastra | |
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| FinTech Automation | |
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| Finzly | |
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| FIS | |
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| Fiserv Solutions, LLC (Fiserv NOW, Fiserv Payments Exchange) | |
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| FLEX Credit Union Technology | |
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| Form3 | |
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| FPS GOLD | |
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| IBT Apps | |
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| Jack Henry | |
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| Juniper Payments, a PSCU Company | |
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| Open Payment Network | |
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| NetXD Inc. | |
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| nuvono | |
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| Pidgin, Inc. | |
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| SHAZAM | |
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| Temenos | |
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| Payfinia, A Tyfone Company | |
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| Vertifi Software, LLC | |
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| Visa | |
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| Volante Technologies | |
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*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 April 15, 2024
