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Emprise Bank

Sponsor bank
Sponsor BankCard IssuingBaaS

Sponsor bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their sponsor bank.

emprisebank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#91 of 201 in Sponsor Bank
Buyers3 companies
HeadquartersWichita, Kansas, USA
Founded1910

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How companies use Emprise Bank

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

Sponsor bank2
Banking-as-a-Service1
Card issuer1
Emprise Bank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for Emprise Bank. One aggregator connects to its accounts.

Reachable through
Plaid
From Open Banking Tracker’s open dataset, record “Emprise Bank - Personal”. Full bank profile on Open Banking Tracker ↗
Background · from Emprise Bank’s own dossier

Founded in 1910 as a traditional Kansas community bank, Emprise Bank remained a family-owned institution for over a century, growing to 34 locations and $2B+ in assets. In 2021, the bank made a deliberate strategic move into embedded banking (BaaS), partnering with Treasury Prime to launch 'Emprise Embedded' — a white-label financial services program enabling fintechs to offer FDIC-insured deposits, payments, and cards backed by Emprise's charter. This positions Emprise as a sponsor bank and BaaS partner, extending its community-bank model into the fintech ecosystem without abandoning its core retail and commercial banking operations.

Full dossier: Emprise Bank’s own stack, layer by layer →
Who uses Emprise Bank
3 companies disclose Emprise Bank in their stack
LawPay8amPlannery
Buyer mix · 3 of 3 classified
Fintech / Lending · 1Vertical SaaS / Legal · 1Vertical SaaS / Legal & Accounting · 1
US · 3
What the disclosures say
LawPay
“The regulatory footer states 'The 8am™ Visa® Business Card is issued by Emprise Bank pursuant to a license from Visa U.S.A., Inc.' Emprise Bank is the sponsor bank; no separate BaaS/issuer-processor (Marqeta, Lithic, etc.) is disclosed in the evidence.”
8am
“The regulatory footer on 8am.com/about and 8am.com/terms states: 'The 8am™ Visa®️ Business Card is issued by Emprise Bank pursuant to a license from Visa U.S.A., Inc.' The Smart Spend Terms of Service page (8am.com/terms-of-service/smart-spend/) describes the 8am Smart Spend Platform and the 8am Visa Business Card issu…”
Plannery
“bankingembedded.com lists both FinWise Bank and Emprise Bank as Plannery customers/partners.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Emprise Bank? Claim this profile above to unlock your own full list.
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What Emprise Bank runs on · from its own dossier
The third-party providers Emprise Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Emprise Bank.
BaaS
Treasury Prime
Transaction Enrichment
MX
Open Banking
MX
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

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

Evolve Bank & Trust101 buyers →Sutton Bank65 buyers →Cross River64 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for Emprise Bank’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 #91 of 201 in Sponsor Bank — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/emprise-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/emprise-bank.svg"
       alt="Ranked #91 of 201 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/emprise-bank/install" width="1" height="1" alt="" style="display:none">

Emprise Bank — frequently asked

Which companies use Emprise Bank?

3 companies are linked to Emprise Bank in the Embedded Finance Index 2026, through their own public disclosures or Emprise Bank's published customer list, including LawPay, 8am and Plannery.

What do fintechs use Emprise Bank for?

Emprise Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (2), banking-as-a-service (1) and card issuer (1).

What are the alternatives to Emprise Bank?

The most-named Sponsor Bank alternatives to Emprise Bank are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Who founded Emprise Bank?

Emprise Bank was founded by W.A. Michaelis Jr. (acquirer, 1965) and is founded in 1910, headquartered in Wichita, Kansas, USA.

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