Bank tracked in the Embedded Finance Index. Named by 9 companies, most often as their banking-as-a-service.
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9 companies name U.S. Bank in their stack. The most common role is banking-as-a-service (5). A company can use the same bank for more than one thing.
U.S. Bank publishes a developer portal with 2 API products, and 2 aggregators connect to it.
U.S. Bank is the 5th-largest commercial bank in the U.S., descended from the 1863 First National Bank of Cincinnati and consolidated under U.S. Bancorp via the 2001 Firstar merger. Beyond traditional banking, it owns Elavon (merchant acquiring) and talech (SMB POS), giving it a payments-and-software stack to attack the embedded-finance opportunity directly. Since 2023 it has been productizing this stack — Avvance for embedded point-of-sale lending, Spend Management for card controls, and an embedded payroll product — positioning U.S. Bank as both a chartered bank and an embedded-finance provider competing with Stripe/Adyen/Marqeta-style platforms.
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.
An embeddable badge for U.S. 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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alt="Ranked #79 of 347 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/us-bank/install" width="1" height="1" alt="" style="display:none">9 companies disclose U.S. Bank in their stack in the Embedded Finance Index 2026, including Enervee, Elavon, U.S. Bank Payroll Services, Amazon Business, Edward Jones, Pagaya, athenahealth, Hourly and U S.
U.S. Bank is a bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (5), card issuer (4) and lending partner (3).
The most-disclosed BaaS alternatives to U.S. Bank are Evolve Bank & Trust (72 buyers), Sutton Bank (64 buyers), Cross River (56 buyers), Pathward (47 buyers), ClearBank (40 buyers) and Thread Bank (35 buyers).
U.S. Bank is founded in 1863 and headquartered in Minneapolis, Minnesota, United States.
Get a read on where your own stack stands against U.S. Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.