Sponsor bank tracked in the Embedded Finance Index. Named by 11 companies, most often as their sponsor bank.
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#24 of 199 in Sponsor Bank
Buyers11 companies
HeadquartersEnid, Oklahoma, USA
Founded1913
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How companies use Stride Bank
11 companies name Stride Bank in their stack. The most common role is sponsor bank (11). A company can use the same bank for more than one thing.
Stride Bank’s APIs · from Open Banking Tracker
Open Banking Tracker has no developer portal on file for Stride Bank. One aggregator connects to its accounts.
Background · from Stride Bank’s own dossier
Stride Bank is a century-old community bank in Enid, Oklahoma that quietly pivoted into fintech sponsor banking after its 2019 rebrand from Central National Bank. Alongside traditional Oklahoma-region community lending, wealth management, and trust services, Stride now operates a Payment Solutions / Fintech Banking division offering BaaS-style card issuing (debit, credit, prepaid across Visa, Mastercard, Discover), corporate treasury/settlement, and fintech lending program sponsorship. The bank markets itself as a nationally-chartered, OCC-regulated sponsor combining fintech agility with bank reliability.
Key signals
- Acquisition target: a sponsor bank bought by its largest fintech program — the 'buy the charter' route that avoids a de novo application (Reuters). Other Stride programs (Payfare, Lyft Cash Rewards, Affirm) face a change of owner.
Recent developments
- 2026-09-08Definitive agreement to be acquired by Chime for $590 million in cash (via parent Central Service Corporation); Stride becomes Chime Bank, N.A., a wholly owned subsidiary, with Chime consolidating its banking activities there and keeping assets under $10 billion. Close expected H1 2027 pending OCC and Federal Reserve approval. Stride has been Chime's partner bank for over seven years. source ↗
Who uses Stride Bank
11 companies disclose Stride Bank in their stack
Buyer mix · 11 of 11 classified
Fintech / Lending · 3Fintech / Investment · 2Marketplace / Gig economy · 2Fintech / Consumer banking · 1Fintech / Neobank · 1Fintech / SMB banking · 1Vertical SaaS / Healthcare · 1
What the disclosures say
Payfare“Lyft Direct program terms: 'In the event of an otherwise irreconcilable conflict between these Terms and other agreements or terms between you and Stride Bank N.A.'. bankingembedded.com lists Stride Bank as a Payfare customer/partner. i2c press release confirms i2c as full-service digital banking partner.”
Chime“Chime's regulatory footer on chime.com states: 'The Chime Visa® Debit Card, the secured Chime Credit Builder Visa® Credit Card and the secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A.”
Payforward“Stride Bank (bankingembedded.com) publicly lists Payforward as a customer — TIER 1 known-customer listing.”
Affirm“Regulatory footer at affirm.com/disclosures: 'The Affirm Money™ Account is held with Cross River Bank (CRB), Member FDIC.' 'The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A.”
Lyft Cash Rewards“cdn.lyft.com/static/legal/docs/ld/payfare-program-terms.html names Payfare International, Inc. and Stride Bank N.A. as the Lyft Direct providers. help.lyft.com/hc/en-us/all/articles/360022461073 confirms 'We work with a company called Payfare to provide Lyft Direct.'”
Stash“Stash Core press release (September 2022) explicitly names 'Stride Bank, N.A., Mastercard, Marqeta, Mambu, and Alloy' as industry-leading partners.”
The complete buyer list and each company’s full embedded-finance stack are in the
Embedded Finance Index report. Represent Stride Bank? Claim this profile above to unlock your own full list.
Sample distribution — illustrative only, not Stride 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 Stride Bank runs on · from its own dossier
The third-party providers Stride Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Stride Bank.
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.
Share this rank
An embeddable badge for Stride 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.
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<img src="https://www.embeddedfinanceindex.com/api/badge/stride-bank/install" width="1" height="1" alt="" style="display:none">Stride Bank — frequently asked
Which companies use Stride Bank?
11 companies are linked to Stride Bank in the Embedded Finance Index 2026, through their own public disclosures or Stride Bank's published customer list, including Payfare, Chime, Payforward, Affirm, Lyft Cash Rewards, Stash, Talipay, WisdomTree, Lyft, Westlake Financial and 1 other.
What do fintechs use Stride Bank for?
Stride Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (11), banking-as-a-service (7) and card issuer (3).
Where is Stride Bank headquartered?
Stride Bank is founded in 1913 and headquartered in Enid, Oklahoma, USA.
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