CBW Bank

CBW Bank is a Kansas bank that states it has held a bank charter since 1892 and is FDIC insured. It operates from Weir, Kansas, and combines business banking with a payments platform used by fintech partners.

Payments platform

CBW builds merchant acquiring into its own payment services platform, next to ACH, wires, RTP, FedNow, Visa Direct and Mastercard Send. This lets a business or fintech use account-based and card-based payment rails through a single bank relationship, including instant transfers and push-to-card payouts.

Sponsor banking and embedded finance

The bank also offers sponsor banking and embedded finance to fintech partners. In practice, this means that fintech companies can build products on top of the bank's charter and payment connections rather than obtaining their own. Business banking remains part of the offer for ordinary companies.

Who it suits

The services target US businesses and fintechs that need a bank partner able to provide acquiring, bank transfers and payouts together. Programme conditions, pricing and approval criteria for fintech partners are not published in the profile, so they should be discussed with the bank directly.