Coastal Community Bank
“Can a Washington State community bank become the preferred sponsor-bank and BaaS infrastructure layer for the next generation of US fintechs by combining FDIC-insured rails, API-first tooling, and compliance expertise through its CCBX division?”
Founded in 1997 as a traditional community bank near Seattle, Coastal Community Bank pivoted aggressively into embedded finance with the launch of its CCBX division circa 2020, rebranding itself as the '#1 banking partner for high-performing fintechs.' The bank operates as a sponsor bank and BaaS infrastructure provider, offering deposit accounts, card issuing, loan origination, and payment rails to fintech partners via API. It was Synctera's first bank partner and has since grown a substantial portfolio of fintech program relationships — most visibly its 2025 deal with neobank Dave — while maintaining a conventional community banking business for retail and commercial customers.