Headquartered in Stamford, Connecticut, Patriot Bank, N.A. (FDIC-Insured, OCC-Regulated) is a national bank founded in 1994. Patriot Bank has evolved from a regional community institution into a technology-enabled sponsor bank, leveraging its national national bank charter to power digital deposit gathering, specialized commercial lending, and consumer credit programs nationwide.

By pairing national charter authority with flexible BaaS rails, Patriot Bank enables FinTech partners, wealth management platforms, and alternative business lenders to deploy compliant financial products—from high-yield savings accounts and CD sweeps to automated SBA and small business working capital facilities.

• National Bank Charter (OCC): Issue financial products and originate credit across all 50 states under a single, unified national regulatory framework with FDIC pass-through coverage.

• High-Yield Deposit Gathering: Power wealthtech platforms and consumer challenger banks with robust deposit sweep structures, high-yield savings, and CD programs.

• Commercial & SBA Credit Sponsorship: Sponsor commercial real estate loans, SBA facilities, equipment financing, and B2B working capital programs.

• Turnkey Payment Infrastructure: Programmatic access to ACH payment processing, wire transfers, and BIN sponsorship for corporate card programs.

• LendAPI Orchestration: Connect Patriot Bank’s deposit origination, KYB/KYC verification, and credit funding endpoints directly into LendAPI's visual workflows.

Key Features

• Nationwide Deposit Origination: Deploy FDIC-insured consumer and commercial checking, savings, and certificate of deposit (CD) accounts with full sub-ledger tracking.

• Automated Commercial Lending Rails: Sponsor B2B term loans, revolving lines of credit, and SBA financing backed by Patriot's regulated balance sheet.

• Pass-Through FDIC Protection: Safeguard end-user funds across digital applications through scalable FBO account structures.

• Robust Regulatory Oversight: Built-in compliance architecture covering BSA/AML monitoring, CIP execution, Fair Lending controls, and risk management.

• Flexible Payment Settlement: Direct programmatic integration for ACH transactions, wire transfers, and payment card settlement.