Sponsor bank tracked in the Embedded Finance Index. Named by 23 companies, most often as their banking-as-a-service. Sells embedded finance as CCBX.
TypeSponsor bank
OfferingCCBX
Used asBanking-as-a-Service, Sponsor bank, Card issuer
Rank#19 of 340 in BaaS
Buyers23 companies
HeadquartersEverett, WA
Founded1997
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How companies use Coastal Community Bank
23 companies name Coastal Community Bank in their stack. The most common role is banking-as-a-service (20). A company can use the same bank for more than one thing. Compare it with what Coastal Community Bank says it sells, below.
How Coastal Community Bank sells embedded financeSponsor bank Coastal runs its fintech business as a separate division, CCBX, where financial technology meets community banking. It sells a full BaaS suite and stresses the compliance oversight it holds partners to.
“Our Fintech division provides a full suite of Banking as a Service (BaaS) offerings”
coastalbank.com ↗
What it offers
- Card BIN sponsorship. Debit and credit card programs.
- Deposits. Deposit accounts for partner programs.
- Lending. Consumer and business lending products.
- Compliance oversight. Partner compliance and transaction clearing.
Sells to
fintechsbroker-dealersdigital financial services
Delivery
Direct APIs + middleware · through Synctera
Claims and record
- Runs partner operations and compliance (KYC, AML, card management, ledger) on Synctera. synctera.com ↗
Programs and partners it names
Sponsor bank for banking products and ExtraCash (2025).
source ↗The bank’s own positioning and claims, checked against its pages 2026-10. Partners named here come from the bank and are not counted as buyer disclosures.
Compare how banks sell embedded finance.
Background · from Coastal Community Bank’s own dossier
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.
Recent developments
- 2025-02-27Signed Program Agreement with Dave Operating LLC to become sponsor bank for Dave's banking and ExtraCash products, with customer onboarding expected to begin Q2 2025. source ↗
- 2025-03-03Dave and Coastal Community Bank publicly announced their strategic partnership via press release on GlobeNewswire. source ↗
- 2026-03Adopted Tempo for cross-border settlement infrastructure, turning multi-day cross-border settlement into minutes via onchain, stablecoin-settled payment rails. source ↗
Who uses Coastal Community Bank
23 companies disclose Coastal Community Bank in their stack
Buyer mix · 23 of 23 classified
Fintech / Consumer banking · 9Fintech / Investment · 3Fintech / Neobank · 3Fintech / SMB banking · 3Fintech / Lending · 2Fintech / Consumer lending · 1Vertical SaaS / Education · 1Vertical SaaS / Legal & Equity Management · 1
What the disclosures say
Till Financial“Till Financial's Privacy Policy and Deposit Account Agreement both explicitly state: 'Till Financial, Inc. deposit accounts are issued by Coastal Community Bank, Member FDIC.' Also confirmed by bankingembedded.com listing Coastal Community Bank as Till Financial's known customer/partner.”
OnePay“OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.' Deposit Account Agreement at https://www.onepay.com/legal/lead-deposit-account-agreement. Banking product page at https://www.onepay.com/banking.”
View source · onepay.com ↗
Kikoff“kikoff.com/kikoff-secured-card-agreement states: 'The Kikoff Secured Card (Card) Deposit Account (Deposit Account) is issued by Coastal Community Bank, Member FDIC.' Also corroborated by known_customer_listings: Coastal Community Bank publicly lists Kikoff as a customer at bankingembedded.com.”
Splitwise“Splitwise Pay Terms of Service (splitwise.com/pay/splitwise-pay-coastal-terms) explicitly names 'our partner bank Coastal Community Bank, Member FDIC' and states all banking and payment services are provided by Coastal Community Bank.”
Greenwood“Banking services provided by Coastal Community Bank, Member FDIC.”
X1“x1.co homepage states: 'Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A.”
The complete buyer list and each company’s full embedded-finance stack are in the
Embedded Finance Index report. Represent Coastal Community Bank? Claim this profile above to unlock your own full list.
Sample distribution — illustrative only, not Coastal Community Bank’s actual buyers.
🇺🇸 United States · 40🇬🇧 United Kingdom · 22🇩🇪 Germany · 14🇮🇳 India · 12🇫🇷 France · 9🇸🇬 Singapore · 7🇦🇺 Australia · 6🇧🇷 Brazil · 5+2 more
What Coastal Community Bank runs on · from its own dossier
The third-party providers Coastal Community Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Coastal Community Bank.
Other banks in BaaS
Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/coastal-community-bank/install" width="1" height="1" alt="" style="display:none">Coastal Community Bank — frequently asked
Which companies use Coastal Community Bank?
23 companies are linked to Coastal Community Bank in the Embedded Finance Index 2026, through their own public disclosures or Coastal Community Bank's published customer list, including Till Financial, OnePay, Kikoff, Prosper, Splitwise, Greenwood, X1, Brigit, Aven, Aspiration and 2 others.
What do fintechs use Coastal Community Bank for?
Coastal Community Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (20), sponsor bank (20) and card issuer (5).
Does Coastal Community Bank offer embedded finance?
Yes, as CCBX. Coastal runs its fintech business as a separate division, CCBX, where financial technology meets community banking. It sells a full BaaS suite and stresses the compliance oversight it holds partners to.
Where is Coastal Community Bank headquartered?
Coastal Community Bank is founded in 1997 and headquartered in Everett, WA.
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