Tool 06 · Payment Operations
Search all 1,705 FedNow participants by name, city, or state. Coverage analysis and CSV export. Data sourced directly from the Federal Reserve. Client-side only.
| Institution name | RTN | City | State | Capability |
|---|
This lookup tool lets developers, payment product managers, and finance teams quickly check whether a financial institution participates in the FedNow instant payment network — and whether it can send payments, receive payments, or both. Knowing a bank's FedNow capability before building a payment flow prevents integration failures and rejected transactions.
Fintech developers integrating FedNow rails into their products, merchants evaluating A2A payment acceptance, treasury teams assessing counterparty connectivity, and payments product managers mapping network coverage.
Send & Receive — the institution can both initiate outbound FedNow credit transfers and accept inbound payments. This is full participation. Receive only — the institution can accept FedNow payments but has not yet enabled outbound send capability; this is the most common state for newer participants. Send only — rare configuration, typically used by non-bank payment processors.
As of April 20, 2026, FedNow has 1,705 participating institutions across all 50 states and DC — up from 900 at its one-year anniversary (July 2024) and 35 at launch (July 2023). The network now surpasses RTP's ~1,200 institutions in participant count. However, with ~9,000 total US depository institutions, FedNow coverage is roughly 19% of all banks and credit unions. The majority of participants are community banks and credit unions; most large national banks have not yet joined. Note: the Federal Reserve's public participant list does not include send/receive capability designations or routing numbers — contact institutions directly or consult their FedLine enrollment for capability status.
Participant data in this tool is the complete official list downloaded directly from the Federal Reserve (frbservices.org/financial-services/fednow/organizations), last updated 4/20/26. The Fed publishes name, city, and state only in their public XLSX — routing numbers are available under separate terms of use for financial institutions, and send/receive capability designations are not publicly disclosed.
This tool runs entirely in your browser. No data is transmitted to any server. All search queries, filter selections, and results exist only in your browser's memory for the duration of your session.
The participant dataset is embedded directly in this HTML file from the Federal Reserve's official public XLSX. There are no external API calls, no analytics trackers, no cookies, no localStorage writes, and no form submissions of any kind.
You may safely use this tool in air-gapped environments, on sensitive networks, or anywhere client-side-only tools are required by policy.