Cross River Bank

Cross River Bank is a technology-focused federally chartered bank headquartered in Fort Lee, New Jersey, that provides banking-as-a-service infrastructure to some of the most well-known fintech companies in the United States. Rather than operating retail branches or serving consumers directly under its own brand, Cross River powers the behind-the-scenes banking infrastructure that allows fintechs to offer financial products at scale.

Companies that have used Cross River Bank as an issuing or partner bank include major names in payments, lending, and financial services. Cross River provides the regulated banking framework while its fintech partners deliver the consumer-facing product and experience.

For consumers, this means that when you apply for a personal loan through a fintech platform or open a financial account with a technology-first company, Cross River Bank may be the actual bank issuing the loan or holding the account, even if the platform's own brand is what you see throughout the experience. Cross River is FDIC-insured, so deposits and financial products backed by Cross River carry federal deposit insurance up to applicable limits.

The specific rates, fees, terms, and approval criteria on any Cross River-issued product depend on the program established with the fintech partner in question. Each partner program operates under its own terms.

If you have questions about a loan or account that is issued or backed by Cross River Bank, your primary customer service contact is the fintech company through which you applied. Review the full terms and conditions, APR, and fees for any Cross River-issued product before accepting any offer, as those terms are set at the partner program level.