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Lincoln Savings Bank

Sponsor bank
BaaSSponsor BankCard Issuing

Sponsor bank tracked in the Embedded Finance Index. Named by 6 companies, most often as their sponsor bank.

lincolnsavingsbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#32 of 199 in Sponsor Bank
Buyers6 companies
HeadquartersReinbeck, Iowa, USA
Founded1902

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How companies use Lincoln Savings Bank

6 companies name Lincoln Savings Bank in their stack. The most common role is sponsor bank (6). A company can use the same bank for more than one thing.

Sponsor bank6
Banking-as-a-Service4
Card issuer2
Background · from Lincoln Savings Bank’s own dossier

Lincoln Savings Bank is an Iowa community bank founded in 1902 that historically ran an outsized BaaS/fintech-sponsor practice through its LSBX Financial Technologies division, sponsoring high-profile fintech programs (notably Acorns and Qapital in prior years). Site evidence still surfaces LSBX as an about-page link but the current homepage is community-bank-focused. A prominent banner across the site announces that Lincoln Savings Bank will become Equity Bank, indicating a pending acquisition/merger that is likely to reshape or wind down the fintech sponsor operation.

Recent developments
  • 2025-03Partnered with Kobalt Labs to integrate AI/ML-driven RegTech into third-party risk oversight and compliance review. source ↗
  • 2026Announced that Lincoln Savings Bank will become Equity Bank (site-wide banner). source ↗
Full dossier: Lincoln Savings Bank’s own stack, layer by layer →
Who uses Lincoln Savings Bank
6 companies disclose Lincoln Savings Bank in their stack
ZIL BankYieldWix PaymentsAcornsEverlanceQapital
Buyer mix · 6 of 6 classified
Fintech / Consumer banking · 2Fintech / Investment · 1Fintech / SMB banking · 1Horizontal SaaS / Website Builder · 1Vertical SaaS / Expense & Mileage Tracking · 1
US · 4MENA · 1
What the disclosures say
ZIL Bank
“zil.us privacy policy names Texas National Bank and Lincoln Savings Bank as partner banks providing FDIC coverage. zilremit.com privacy policy names Texas National Bank. bankingembedded.com known_customer_listings confirms Sunrise Banks, East West Bank, and First Citizens Bank & Trust Company as partner banks for ZIL B…”
Yield
“Lincoln Savings Bank publicly lists Yield as a customer at https://www.bankingembedded.com/companies/yield, indicating a banking/sponsor bank relationship.”
View source · bankingembedded.com ↗
Wix Payments
“The Wix Debit Card is issued by Lincoln Savings Bank pursuant to a license from Visa U.S.A.”
Acorns
“Acorns banking page (acorns.com/banking): 'Acorns Visa™ debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders.' Footer across multiple pages: 'The Acorns Early card is issued by nbkc Bank, Member FDIC, pursuant to license by Visa, and Community Federal Savings Ban…”
Everlance
“Everlance's payments product ('Everlance Payments') appears to be a disbursement/reimbursement tool backed by Lincoln Savings Bank DDA, not a merchant-acquiring product.”
Qapital
“Regulatory footer at qapital.com: 'Checking account provided by Lincoln Savings Bank, Member FDIC.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Lincoln Savings Bank? Claim this profile above to unlock your own full list.
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What Lincoln Savings Bank runs on · from its own dossier
The third-party providers Lincoln Savings Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Lincoln Savings Bank.
Card Network
Visa
Retirement / Wealth
LPL Financial
Spend / AP
Ramp
KYC
Kobalt Labs
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 & Trust100 buyers →Sutton Bank64 buyers →Cross River63 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 Lincoln Savings 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 #32 of 199 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/lincoln-savings-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/lincoln-savings-bank.svg"
       alt="Ranked #32 of 199 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/lincoln-savings-bank/install" width="1" height="1" alt="" style="display:none">

Lincoln Savings Bank — frequently asked

Which companies use Lincoln Savings Bank?

6 companies are linked to Lincoln Savings Bank in the Embedded Finance Index 2026, through their own public disclosures or Lincoln Savings Bank's published customer list, including ZIL Bank, Yield, Wix Payments, Acorns, Everlance and Qapital.

What do fintechs use Lincoln Savings Bank for?

Lincoln Savings Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (6), banking-as-a-service (4) and card issuer (2).

What are the alternatives to Lincoln Savings Bank?

The most-named Sponsor Bank alternatives to Lincoln Savings Bank are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is Lincoln Savings Bank headquartered?

Lincoln Savings Bank is founded in 1902 and headquartered in Reinbeck, Iowa, USA.

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