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Sunrise Banks

Sponsor bank
BaaSSponsor BankCard Issuing

Sponsor bank tracked in the Embedded Finance Index. Named by 13 companies, most often as their sponsor bank.

sunrisebanks.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#18 of 199 in Sponsor Bank
Buyers13 companies
HeadquartersSt. Paul, Minnesota, USA
Founded1986

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How companies use Sunrise Banks

13 companies name Sunrise Banks in their stack. The most common role is sponsor bank (13). A company can use the same bank for more than one thing.

Sponsor bank13
Banking-as-a-Service12
Card issuer3
Sunrise Banks’s APIs · from Open Banking Tracker

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

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

Sunrise Banks is a Minnesota-based community bank and certified B Corp / CDFI that has evolved into one of the notable US sponsor banks for fintechs, running BaaS-style debit, prepaid, FBO, and money-movement programs for partners like Lili and CardCentral. It is now expanding beyond debit/prepaid into secured credit card infrastructure. Unlike neobank-only sponsor banks, Sunrise operates a real community-banking franchise alongside the fintech book, positioning itself as an 'ethical' sponsor with mission-aligned deposits (Net Zero, Community Impact).

Full dossier: Sunrise Banks’s own stack, layer by layer →
Who uses Sunrise Banks
13 companies disclose Sunrise Banks in their stack
ZIL BankTrueconnectUsioMocafiIngo MoneyFancardsLiliOV LoopPrepare + Prosper (fair)Lili BankSelfRemitly+1 more
Buyer mix · 13 of 13 classified
Fintech / SMB banking · 6Fintech / Consumer banking · 2Fintech / Lending · 2Infrastructure / Payments · 2Fintech / Cross-border payments · 1
US · 11UK · 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…”
Trueconnect
“Sunrise Banks publicly lists TrueConnect as a customer on bankingembedded.com (TIER 1).”
Mocafi
“Ingo Money is named in the compliance/terms page for mobile check load funding, and the card account is issued via Sunrise Banks N.A., suggesting acquiring/payment rails run through those partners rather than a direct PSP relationship.”
Ingo Money
“known_customer_listings: First Century Bank publicly lists Ingo Money as customer at bankingembedded.com. trust_legal / compliance: 'Sunrise Banks, N.A. and Ingo Money, Inc.”
Fancards
“Sunrise Banks publicly lists Fancards as a customer at bankingembedded.com/companies/fancards (TIER 1 known_customer_listing).”
Lili
“The Lili Visa® Debit Card is issued by Sunrise Banks N.A. pursuant to a Visa license (regulatory_footer, trust_legal).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Sunrise Banks? Claim this profile above to unlock your own full list.
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What Sunrise Banks runs on · from its own dossier
The third-party providers Sunrise Banks itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Sunrise Banks.
PSP
CoCard
Card Network
VisaMastercardDiscover
Lending
Elan Financial Services
Treasury Management
IntraFiIntraFi network banks
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 Sunrise Banks’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 #18 of 199 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/sunrise-banks?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/sunrise-banks.svg"
       alt="Ranked #18 of 199 in Sponsor Bank — Embedded Finance Index 2026">
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Sunrise Banks — frequently asked

Which companies use Sunrise Banks?

13 companies are linked to Sunrise Banks in the Embedded Finance Index 2026, through their own public disclosures or Sunrise Banks's published customer list, including ZIL Bank, Trueconnect, Usio, Mocafi, Ingo Money, Fancards, Lili, OV Loop, Prepare + Prosper (fair), Lili Bank and 2 others.

What do fintechs use Sunrise Banks for?

Sunrise Banks is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (13), banking-as-a-service (12) and card issuer (3).

What are the alternatives to Sunrise Banks?

The most-named Sponsor Bank alternatives to Sunrise Banks 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).

Who founded Sunrise Banks?

Sunrise Banks was founded by David Reiling and is founded in 1986, headquartered in St. Paul, Minnesota, USA.

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