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Sutton Bank

Sponsor bank
BaaSSponsor BankCard Issuing

Sponsor bank tracked in the Embedded Finance Index. Named by 72 companies, most often as their sponsor bank.

suttonbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#2 of 201 in Sponsor Bank
Buyers72 companies
HeadquartersAttica, Ohio, USA
Founded1878

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How companies use Sutton Bank

72 companies name Sutton Bank in their stack. The most common role is sponsor bank (65). A company can use the same bank for more than one thing.

Sponsor bank65
Banking-as-a-Service64
Card issuer21
Sutton Bank’s APIs · from Open Banking Tracker

Sutton Bank publishes a developer portal, and 1 aggregator connects to it.

Developer portal
play.google.com/store/apps/developer?id= ↗
Sandbox
Available
Reachable through
Plaid
From Open Banking Tracker’s open dataset, record “Sutton Bank”. Full API profile on Open Banking Tracker ↗
Background · from Sutton Bank’s own dossier

Sutton Bank is a 147-year-old community bank in Attica, Ohio that quietly became one of the most important sponsor banks in US fintech. It launched prepaid card issuing in 2002 through what is now the Sutton Payments Division and, by the 2010s, was issuing the cards behind Cash App, Robinhood, Monzo US and dozens of other fintech programs. Alongside this national BaaS business, it continues to operate a traditional Ohio community bank offering deposits, mortgages, ag lending and small-business loans.

Recent developments
  • 2026-10Sutton Bank's card-issuing program was named in reporting (Jason Mikula, Oct 2026) as the issuer behind cards offered through CinCin, a Russian "no-KYC" crypto card service, as of March 2026. source ↗
Full dossier: Sutton Bank’s own stack, layer by layer →
Who uses Sutton Bank
72 companies disclose Sutton Bank in their stack
Sports IllustratedFuboFanduelMasspayGodoFoldGrowcreditBetparxJassbyAirbaseRampPlata Pay+60 more
Buyer mix · 72 of 72 classified
Fintech / Consumer banking · 13Fintech / Lending · 7Fintech / SMB banking · 6Hospitality / Casino & Gaming · 5Horizontal SaaS / Spend Management · 4Infrastructure / Payments · 3Fintech / Crypto · 2Fintech / Neobank · 2
US · 57APAC · 3EU · 2UK · 2Canada · 1MENA · 1
What the disclosures say
Sports Illustrated
“Sutton Bank publicly lists Sports Illustrated as a customer at https://www.bankingembedded.com/companies/sports-illustrated (known_customer_listings, TIER 1).”
View source · bankingembedded.com ↗
Fubo
“Sutton Bank publicly lists Fubo as a customer at bankingembedded.com/companies/fubo (TIER 1 known_customer_listing).”
Fanduel
“Sutton Bank and MVB Bank, Inc. both publicly list FanDuel as a customer on bankingembedded.com (known_customer_listings TIER 1).”
Masspay
“Sutton Bank publicly lists MassPay as a customer at bankingembedded.com/companies/masspay (TIER 1 known customer listing).”
Growcredit
“known_customer_listings: Sutton Bank publicly lists Growcredit as a customer at bankingembedded.com.”
Betparx
“Sutton Bank publicly lists BetParx as a customer at https://www.bankingembedded.com/companies/betparx — TIER 1 known_customer_listings evidence.”
View source · bankingembedded.com ↗
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Sutton Bank? Claim this profile above to unlock your own full list.
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What Sutton Bank runs on · from its own dossier
The third-party providers Sutton Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Sutton Bank.
Card Network
MastercardVisa
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 →Cross River64 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →WebBank25 buyers →
Share this rank

An embeddable badge for Sutton 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 #2 of 201 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/sutton-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/sutton-bank.svg"
       alt="Ranked #2 of 201 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/sutton-bank/install" width="1" height="1" alt="" style="display:none">

Sutton Bank — frequently asked

Which companies use Sutton Bank?

72 companies disclose Sutton Bank in their stack in the Embedded Finance Index 2026, including Sports Illustrated, Fubo, Fanduel, Masspay, Godo, Fold, Growcredit, Betparx, Jassby, Airbase and 2 others.

What do fintechs use Sutton Bank for?

Sutton Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (65), banking-as-a-service (64) and card issuer (21).

What are the alternatives to Sutton Bank?

The most-disclosed Sponsor Bank alternatives to Sutton Bank are Evolve Bank & Trust (101 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers), Community Federal Savings Bank (37 buyers) and Thread Bank (31 buyers).

Who founded Sutton Bank?

Sutton Bank was founded by Lester Sutton and is founded in 1878, headquartered in Attica, Ohio, USA.

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