Accounts

Innovative Account Solutions

Effortlessly manage customer deposits and money flow with flexible account programs — all built on Cross River’s proprietary bank core.

Product Overview

Accounts for every use case

Build and scale checking, savings, and purpose-driven account programs on Cross River's modern technology stack.

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Checking

Savings

Certificate of deposits

Custodial accounts

“This represents yet another example of us executing against our master plan for expansion, with a trusted, tech-forward bank, whose mission is aligned with our own.”

Fredi Nisan
CEO
RYVYL (Formerly Greenbox POS)
Benefits

Next-gen accounts solutions

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Key features

Take your deposit strategy from idea to implementation with the cutting-edge infrastructure of a technology-first, established bank.

FDIC insured accounts with deposit sweep capabilities

Unlimited subledgers

Issuing BIN sponsorship

Multi-rail API-based money movement

Compliance and regulatory oversight

Explore API Documentation
curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
  "customerId": "59e3bc15-bbec-4990-88e9-a9a600d3296c",
  "productId": "44015e68-1afb-40fc-9497-abc1014f52da",
  "title": "Bob Smith",
  "statementAddress": {
    "street1": "123 Any Street",
    "city": "Anywhere",
    "state": "NY",
    "postalCode": "12345",
    "countryCode": "US"
  }
}' 'https://sandbox.crbcos.com/Core/v1/dda/accounts'
Explore API Documentation

Expand beyond accounts

Digital illustrationFuturistic illustration of a credit card
Digital Lending
Bank Rails
Acquiring BIN Sponsorship

Fast, compliant & nationwide origination

From application to securitization, launch and scale innovative lending solutions with Cross River’s end-to-end digital lending suite.

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Multi-rail payments capabilities

Leverage near real-time rails and instant payout solutions to build account funding and payments offerings.

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Tech-forward BIN sponsorship

Integrated acquiring BIN solutions via API – purpose-built for ISOs, Payfacs, Marketplaces, ISVs, and mobile wallet providers.

Explore API Documentation

Uses for accounts

Secured fund accounts

Interest-bearing

Merchants

Consumer

Commercial

Payments accounts

Ready to get started?

We bridge the best of both worlds - merging advanced tech innovation with the expertise of a bank. Craft the perfect banking program no matter what your business needs may be.

People at the meeting