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Bank of America

Bank
LendingBaaSSponsor Bank

Bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their lending partner.

bankofamerica.com ↗Also analysed as a company — its own stack →
TypeBank
Used asLending partner, Banking-as-a-Service, Sponsor bank
Rank#82 of 254 in Lending
Buyers3 companies
HeadquartersCharlotte, North Carolina, USA
Founded1904

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How companies use Bank of America

3 companies name Bank of America in their stack. The most common role is lending partner (2). A company can use the same bank for more than one thing.

Lending partner2
Banking-as-a-Service1
Sponsor bank1
Bank of America’s APIs · from Open Banking Tracker

Bank of America publishes a developer portal with 3 API products, and 3 aggregators connect to it.

Developer portal
developer.bankofamerica.com ↗
API products
Account Information Service ↗
Account information
Payment Initiation Service ↗
Payment initiation
Confirmation of Funds ↗
Funds confirmation
Reachable through
FlinksPlaidTrueLayer
From Open Banking Tracker’s open dataset, record “Bank of America”. Full API profile on Open Banking Tracker ↗
Background · from Bank of America’s own dossier

Founded 1904 in San Francisco as Bank of Italy, rebranded Bank of America in 1930 and became the largest US commercial bank by branch count. The modern Bank of America Corporation was formed via the 1998 NationsBank merger, then materially expanded into wealth management with the 2009 Merrill Lynch acquisition. Today it operates a full-stack universal bank with in-house payments acquiring (Bank of America Gateway), CashPro treasury APIs, cards issued directly by BofA N.A., and open-banking data sharing via Plaid.

Recent developments
  • 2026-06Announced global cross-border real-time payments solution for corporate/FI clients via Swift and CashPro, launching next quarter. source ↗
  • 2026-09-01Named as a founding member (one of 21 international financial institutions, alongside Capital One, Citi, Fidelity Investments, Goldman Sachs, PNC, Scotiabank, TD Bank Group, Wells Fargo, WisdomTree, Banco Santander, Bbva, Commerzbank, Deutsche Bank, Lloyds, Rabobank, Ubs, Mufg, Sirius International Holding, Standard Bank and Crédit Agricole) of a new joint venture to issue a stablecoin — name not yet disclosed at announcement. Initial focus on a USD-denominated stablecoin, with EUR the priority for later expansion; targets wholesale, institutional and retail use cases including cross-border payments and digital-asset settlement. Go-to-market targeted for H1 2027. source ↗
Acquisitions
NationsBank1998
Merger of equals that created the modern Bank of America Corporation headquartered in Charlotte.
Merrill Lynch2009
Acquired Merrill Lynch during the financial crisis, adding brokerage, wealth management, and investment banking.
Full dossier: Bank of America’s own stack, layer by layer →
Who uses Bank of America
3 companies disclose Bank of America in their stack
athenahealthE4e ReliefAlaska Airlines
Buyer mix · 3 of 3 classified
Marketplace / Travel · 1Vertical SaaS / Healthcare · 1Vertical SaaS / HR & Employee Benefits · 1
US · 3
What the disclosures say
athenahealth
“These are athenahealth's own corporate credit facility lenders (2015 amended and restated credit agreement filed on SEC EDGAR: Bank of America as admin agent and L/C issuer; TD Bank and U.S.”
E4e Relief
“Terms of Use RS (e4erelief.org/terms-of-use-rs) names Bank of America N.A. as the banking partner powering the Payment Processing Service.”
Alaska Airlines
“Bank of America is the card issuer for the Atmos Rewards co-branded credit card portfolio per April 2026 SEC filing and press release.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Bank of America? Claim this profile above to unlock your own full list.
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What Bank of America runs on · from its own dossier
The third-party providers Bank of America itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Bank of America.
Card Network
VisaMastercardDiscover
FX / Payouts
Swift
Open Banking
Plaid
Full dossier with evidence for each layer →
Other banks in Lending

Other banks named for Lending in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Cross River10 buyers →WebBank10 buyers →Celtic Bank6 buyers →Lead Bank5 buyers →Banco Bradesco4 buyers →First National Bank of Omaha3 buyers →NatWest Boxed3 buyers →The Bancorp Bank3 buyers →
Share this rank

An embeddable badge for Bank of America’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #82 of 254 in Lending — Embedded Finance Index 2026
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Bank of America — frequently asked

Which companies use Bank of America?

3 companies are linked to Bank of America in the Embedded Finance Index 2026, through their own public disclosures or Bank of America's published customer list, including athenahealth, E4e Relief and Alaska Airlines.

What do fintechs use Bank of America for?

Bank of America is a bank. Companies in the Embedded Finance Index 2026 name it as their lending partner (2), banking-as-a-service (1) and sponsor bank (1).

What are the alternatives to Bank of America?

The most-named Lending alternatives to Bank of America are Cross River (10 buyers), WebBank (10 buyers), Celtic Bank (6 buyers), Lead Bank (5 buyers), Banco Bradesco (4 buyers) and First National Bank of Omaha (3 buyers).

Who founded Bank of America?

Bank of America was founded by Amadeo Pietro Giannini and is founded in 1904, headquartered in Charlotte, North Carolina, USA.

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