Card & Account Programs

Proprietary infrastructure for card programs

Custom banking solutions for customers is seamless from ideation to implementation. Take advantage of the built-in expertise of Cross River’s card issuing and account management services.

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Customer-first, card solutions

Account activation and management

Offer customers interest bearing FDIC-insured accounts including FBO, checking, or savings accounts, incorporating daily use features such as check clearing and CDs, as well as nuanced attributes like sweep deposits, all through proprietary API connectivity.

Connections to multiple networks

Connect to major card networks including Visa, Mastercard, and American Express through existing Cross River relationships.

Credit card issuing

Reinforce safe credit building practices by offering customers reliable credit building products. Cross River spearheads access to secured cards, charge cards, consumer credit cards. Commercial credits are also supported for businesses of all sizes.

Processor integration

Processors are an integral part of any card and account program process. Partners can bring their own processor or allow Cross River to manage the processor of choice. Cross River also offers fully integrated processing services within debit processing.

  • Cross River is an ideal, like-minded partner allowing businesses to optimize customer experiences and minimize the time, effort, and costs associated with managing their payment practices.

    Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

    Daniela Mielke

    CEO RS2


What is an issuing bank?   An issuing bank is a bank that provides a credit line or a debit card to a customer or business. Cross River works with partners that wish to increase financial access to customers by enabling credit or debit card services. Cross River can also provide merchant acquiring services and act as an acquiring bank.   Does Cross River provide credit and debit processors?  Yes, Cross River works and integrates with major credit card and debit card processors. Partners can select from existing processors or request to work with a new processor altogether.   Can I bring my own processor?   Yes, partners can bring their own processor for debit or credit processing. If preferred, however, Cross River can choose and integrate a processor on the client’s behalf.