Which Banks Have Real-Time Payments?

With all the talk about Real-Time Payments, it can be hard to find good information. One thing we often get asked by payment operations and engineering teams is which banks are RTP-enabled. They want to know: “can I send RTP payments with my bank?”

So we went looking. This is the information we can find publicly available online about which banks are currently live with RTP send. As more information comes out, we’ll update this post and note those updates here. Just because a bank is included does not imply they have customers sending RTP payments today. And if a bank is not listed here, it means we cannot find evidence that they support sending RTP payments. You can find a more extensive list of RTP Network Participating Financial Institutions on The Clearing House site.

Note that even if your bank is enabled to send RTP payments, you still need to get those capabilities approved and switched on for your corporate bank account.

Modern Treasury Supported Banks

Bank of America
Send: Yes
Receive: Yes
Source
Bank of America Integration

Bank of the West
Send: Yes
Receive: Yes
Source
Bank of the West Integration

BankProv
Send: Yes
Receive: Yes
Source
BankProv Integration

Cross River
Send: Yes
Receive: Unknown
Source
Cross River Integration

HSBC USA
Send: Yes
Receive: Yes
Source
HSBC USA Integration

JPMorgan Chase
Send: Yes
Receive: Yes
Source
JPMorgan Chase Integration

PNC
Send: Yes
Receive: Yes
Source

US Bank
Send: Yes
Receive: Yes
Source‍

Wells Fargo
Send: Yes
Receive: Yes
Source
Wells Fargo Integration

Other RTP-Enabled Banks

BNY Mellon
Send: Yes
Receive: Yes
Source‍

Citibank
Send: Yes
Receive: Yes
Source

Citizens Bank
Send: Yes
Receive: Yes
Source

Comerica Bank
Send: Yes
Receive: Unknown
Source

Corporate One Federal Credit Union
Send: Yes
Receive: Yes
Source

‍Fifth Third Bank
Send: Yes
Receive: Yes
Source

First Bank
Send: Yes
Receive: Yes
Source

Huntington National Bank
Send: Yes
Receive: Yes
Source‍

Truist Bank
Send: Yes
Receive: Yes
Source
‍
‍If you have information about more banks that are working with clients on RTP, let us know. Our goal is that this table is constantly updated and helpful to the payments community.

We hope that RTP will help product teams build great payment flows, and will help finance teams manage payment operations more effectively. If you’d like to learn more, schedule a demo or email us at getrtp@moderntreasury.com.

Update Log

• Published October 11, 2019
• October 17, 2019: updated source for Bank of America
• November 20, 2019: updated HSBC to include send, updated source
• November 20, 2019: updated Wells Fargo to include send, updated source
• January 28, 2021: added Cross River Bank
• May 19, 2021: added Bank Newport, BMO Harris Bank, Bridge Community Bank, Chesapeake Bank, Huntington National Bank, MUFG Union Bank, Ocean Bank, TD Bank; updated BB&T and SunTrust which merged as Truist Bank
• March 29, 2022: updated to list send only; HSBC moved to Modern Treasury supported banks; Corporate One, US Bank, and Huntington National Bank to include send; added Comerical Bank and First Bank
• August 24, 2022: updated to move PNC, Cross River, BankProv, and US Bank to Modern Treasury supported banks