Founded in 1913 in Enid, Oklahoma (originally as Central National Bank), Stride Bank, N.A. (FDIC-Insured, OCC-Regulated) brings over a century of banking stability combined with a modern national payments engine. Stride Bank has established itself as an essential sponsor bank behind some of the largest consumer challenger banks and worker-payout platforms in North America.

By pairing its national bank charter authority with high-throughput card issuing and payment settlement rails, Stride Bank enables consumer FinTech platforms, digital wallets, and workforce apps to deploy compliant deposit accounts, early payday features, instant push-to-card payouts, and credit-building card programs at scale.

• National Bank Charter (OCC): Operate nationwide under a single, federally regulated banking charter with pass-through FDIC insurance coverage for end-users.

• High-Volume Neobanking Engine: Power tens of millions of consumer checking and savings accounts, early direct deposit payouts, and real-time ledger management.

• Gig-Economy & Worker Payouts: Deliver instant, zero-fee earnings payouts and branded debit accounts for platform workers and freelancers.

• Consumer Credit & Credit Builder Sponsorship: Issue secured cards, credit-builder charge cards, and consumer revolving credit lines designed to expand credit access.

• LendAPI Orchestration: Map consumer onboarding, identity verification (KYC), and card account opening directly into Stride Bank rails using LendAPI's visual builder.

Key Features

• Nationwide Debit & Prepaid Card Sponsorship: Issue branded Visa and Mastercard debit and prepaid cards with real-time auth-stream processing and digital wallet provisioning (Apple Pay, Google Pay).

• Instant Push-to-Card & Real-Time Rails: Leverage real-time payment rails and push-to-card infrastructure for instant worker earnings settlements and user payouts.

• Pass-Through FDIC Deposit Accounts: Deploy scalable consumer checking and savings accounts with sub-ledger accounting and automated reconciliation.

• Automated Consumer Compliance Architecture: Integrated KYC/CIP screening, fraud mitigation controls, and BSA/AML monitoring tailored for high-volume consumer flows.

• Credit-Builder Card Infrastructure: Sponsor secured and credit-builder card products that help consumers establish or rebuild credit profiles safely.