Founded in 1999 as a pioneer in prepaid card products and retail financial services, Green Dot Bank (FDIC-Insured, Utah State-Chartered Member Bank) has grown into one of the largest enterprise Banking-as-a-Service platforms in North America. Green Dot uniquely connects cloud-native software platforms with a massive physical cash-in/cash-out retail network spanning over 90,000 locations nationwide, including major retailers like Walmart, CVS, and Walgreens.

Through its enterprise BaaS and disbursement API suites, Green Dot enables world-class brands (such as Apple for Apple Cash, Intuit, and major gig mobility platforms) to embed digital bank accounts, co-branded debit cards, barcode/eCash retail deposits, and instant push-to-card payouts. By unifying digital banking APIs with physical retail infrastructure, Green Dot allows software platforms to bridge digital finance with real-world cash movement.

• Massive Enterprise Scale: Proven banking engine powering financial experiences for tech leaders including Apple, Walmart, and Intuit.

• 90,000+ Retail Cash Access Points: Direct API access to a physical network where users can deposit, load, or withdraw cash using eCash barcodes and debit cards.

• Instant Worker Disbursements: High-throughput push-to-card and payout APIs for near-real-time wage access, gig contractor earnings, and tax refund delivery.

• Comprehensive Co-Branded Card Programs: Complete issuing sponsorship for physical and virtual debit cards with instant digital wallet provisioning.

Key Features

• Nationwide eCash & Cash Deposit APIs: Enable users to add cash directly to digital accounts or mobile wallets via barcode generation at participating retail checkout counters.

• High-Volume Disbursement Engine: Rapidly route payouts, contractor pay, and consumer rewards across ACH, Same-Day ACH, and Visa Direct / Mastercard Send push-payment networks.

• Enterprise FBO & Ledger Management: Multi-tenant sub-ledger account architectures designed to segregate, track, and protect end-user funds with FDIC insurance coverage.

• Turnkey Compliance & BSA/AML: Embedded identity verification (KYC), transaction monitoring, fraud detection, and regulatory governance operating at national scale.

• Cash Pickup Capabilities: Allow unbanked or underserved users to withdraw cash instantly at retail locations via secure authorization codes.