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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 and RTP receive. 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 either sending or receiving RTP payments.

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

JPMorgan Chase
Send: Yes
Receive: Yes
Source

Wells Fargo
Send: Yes
Receive: Yes
Source

Bank of the West
Send: Yes
Receive: Yes
Source

All Other RTP-Enabled Banks

Bank of America
Send: Yes
Receive: Yes
Source

BNY Mellon
Send: Yes
Receive: Yes
Source

BB&T
Send: No
Receive: Yes
Source

Citibank
Send: Yes
Receive: Yes
Source

Citizens Bank
Send: Yes
Receive: Yes
Source

Fifth Third Bank
Send: Yes
Receive: Yes
Source

HSBC USA
Send: Yes
Receive: Yes
Source

Key Bank
Send: No
Receive: Yes
Source

M&T Bank
Send: Unknown
Receive: Yes
Source

PNC
Send: Yes
Receive: Yes
Source

Suntrust
Send: Unknown
Receive: Yes
Source

US Bank
Send: Unknown
Receive: Yes
Source


Based on some technical documentation we've read, we also believe that Apollo Bank, Comerica, and Connect One Bank may be able to receive RTP payments. However we can't find an external source to confirm this so we've excluded them from the list for now.

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


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