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 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
| 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
| 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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| CSI | |
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| ECS Fin Inc. | |
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| Finastra | |
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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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| Form3 | |
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| FPS Gold | |
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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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| Pidgin, Inc. | |
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| SHAZAM | |
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| Temenos | |
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| Vertifi Software, LLC | |
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| Visa | |
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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: September 18, 2023
