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I3 Bank

Bank
BaaSSponsor Bank

Bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their banking-as-a-service.

i3bank.com ↗
TypeBank
Used asBanking-as-a-Service, Sponsor bank
Rank#174 of 340 in BaaS
Buyers3 companies

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How companies use I3 Bank

3 companies name I3 Bank in their stack. The most common role is banking-as-a-service (2). A company can use the same bank for more than one thing.

Banking-as-a-Service2
Sponsor bank1
Who uses I3 Bank
3 companies disclose I3 Bank in their stack
LumanuOnyx PrivateHeard
Buyer mix · 3 of 3 classified
Fintech / Neobank · 1Vertical SaaS / Creator Economy Payments · 1Vertical SaaS / Healthcare · 1
US · 2
What the disclosures say
Onyx Private
“Known customer listing: i3 Bank publicly lists Onyx Private as a customer at bankingembedded.com/companies/onyx-private.”
Heard
“Heard's pricing page states 'Banking technology powered by Unit Finance, Inc.' The Heard Banking product page shows a Heard Business Debit Visa 'Issued by i3 Bank, Member FDIC' and the site footer repeats 'Banking services provided by i3 Bank, Member FDIC.'”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent I3 Bank? Claim this profile above to unlock your own full list.
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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.

Evolve Bank & Trust71 buyers →Sutton Bank63 buyers →Cross River56 buyers →Pathward48 buyers →ClearBank39 buyers →Thread Bank35 buyers →Community Federal Savings Bank30 buyers →GBank27 buyers →
Share this rank

An embeddable badge for I3 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 #174 of 340 in BaaS — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/i3-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/i3-bank.svg"
       alt="Ranked #174 of 340 in BaaS — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/i3-bank/install" width="1" height="1" alt="" style="display:none">

I3 Bank — frequently asked

Which companies use I3 Bank?

3 companies are linked to I3 Bank in the Embedded Finance Index 2026, through their own public disclosures or I3 Bank's published customer list, including Lumanu, Onyx Private and Heard.

What do fintechs use I3 Bank for?

I3 Bank is a bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (2) and sponsor bank (1).

What are the alternatives to I3 Bank?

The most-named BaaS alternatives to I3 Bank are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).

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