Skip to content
InstantRailCheck

U.S. Instant Payments Coverage Report

How many active U.S. banks and credit unions are confirmed participants on FedNow, RTP, and Zelle. A rail marked "not confirmed" means the institution wasn't found on that rail's official source list — not that it definitely doesn't support it.

8,607 active U.S. banks and credit unions are tracked for instant-payment rail participation.

Only 23% are confirmed on FedNow, the Federal Reserve's instant payment rail.

1,137 institutions are confirmed on both FedNow and RTP.

Overview

8,607
Active institutions
4,255
FDIC-insured banks
4,336
NCUA credit unions
1,137
Confirmed on both FedNow & RTP

Rail coverage

FedNow23.4% confirmed
2,014 confirmed6,171 not confirmed422 unknown
RTP17.4% confirmed
1,496 confirmed6,704 not confirmed407 unknown
Zelle (P2P)24.6% confirmed
2,117 confirmed5,997 not confirmed493 unknown

FDIC banks vs. NCUA credit unions

FDIC-insured banks (4,255)

FedNow30.5% confirmed
1,296 confirmed2,568 not confirmed391 unknown
RTP22.8% confirmed
969 confirmed2,927 not confirmed359 unknown
Zelle30.1% confirmed
1,279 confirmed2,544 not confirmed432 unknown

NCUA credit unions (4,336)

FedNow16.6% confirmed
718 confirmed3,593 not confirmed25 unknown
RTP12.2% confirmed
527 confirmed3,767 not confirmed42 unknown
Zelle19.3% confirmed
838 confirmed3,443 not confirmed55 unknown

Type not on file (16)

FedNow0% confirmed
0 confirmed10 not confirmed6 unknown
RTP0% confirmed
0 confirmed10 not confirmed6 unknown
Zelle0% confirmed
0 confirmed10 not confirmed6 unknown

Coverage by asset size

Each rail column shows confirmed, then not confirmed / unknown.

InstitutionsCountFedNowRTPZelle
Under $100M2,809
204
2,603 not · 2 unk.
157
2,646 not · 6 unk.
270
2,536 not · 3 unk.
$100M–$1B3,480
1,053
2,403 not · 24 unk.
731
2,723 not · 26 unk.
1,135
2,317 not · 28 unk.
$1B–$10B1,215
502
709 not · 4 unk.
436
770 not · 9 unk.
585
615 not · 15 unk.
$10B+170
60
110 not · 0 unk.
50
120 not · 0 unk.
82
88 not · 0 unk.
Unknown933
195
346 not · 392 unk.
122
445 not · 366 unk.
45
441 not · 447 unk.

Coverage by state or territory

Each rail column shows confirmed, then not confirmed / unknown.

InstitutionsCountFedNowRTPZelle
TX726
168
514 not · 44 unk.
109
573 not · 44 unk.
190
492 not · 44 unk.
IL516
119
374 not · 23 unk.
98
395 not · 23 unk.
130
359 not · 27 unk.
NY387
74
310 not · 3 unk.
54
326 not · 7 unk.
94
284 not · 9 unk.
PA381
64
313 not · 4 unk.
44
332 not · 5 unk.
77
299 not · 5 unk.
CA358
91
260 not · 7 unk.
66
287 not · 5 unk.
158
184 not · 16 unk.
OH351
84
259 not · 8 unk.
89
255 not · 7 unk.
62
267 not · 22 unk.
MN304
79
215 not · 10 unk.
59
231 not · 14 unk.
76
211 not · 17 unk.
IA293
49
189 not · 55 unk.
39
205 not · 49 unk.
38
204 not · 51 unk.
MO283
78
188 not · 17 unk.
58
214 not · 11 unk.
64
207 not · 12 unk.
WI253
59
179 not · 15 unk.
41
196 not · 16 unk.
74
163 not · 16 unk.
KS247
53
174 not · 20 unk.
33
191 not · 23 unk.
41
186 not · 20 unk.
MI242
86
148 not · 8 unk.
74
160 not · 8 unk.
65
165 not · 12 unk.
LA241
39
190 not · 12 unk.
30
199 not · 12 unk.
57
171 not · 13 unk.
TN235
59
166 not · 10 unk.
41
182 not · 12 unk.
46
167 not · 22 unk.
OK223
51
148 not · 24 unk.
34
164 not · 25 unk.
52
154 not · 17 unk.
IN212
52
149 not · 11 unk.
41
160 not · 11 unk.
48
150 not · 14 unk.
MA212
51
157 not · 4 unk.
47
164 not · 1 unk.
45
160 not · 7 unk.
GA196
52
130 not · 14 unk.
41
145 not · 10 unk.
64
119 not · 13 unk.
FL191
66
123 not · 2 unk.
54
134 not · 3 unk.
76
110 not · 5 unk.
NE189
42
125 not · 22 unk.
30
139 not · 20 unk.
38
132 not · 19 unk.
AL182
57
112 not · 13 unk.
46
127 not · 9 unk.
39
133 not · 10 unk.
NJ176
18
155 not · 3 unk.
15
158 not · 3 unk.
54
115 not · 7 unk.
KY171
45
118 not · 8 unk.
28
138 not · 5 unk.
37
119 not · 15 unk.
VA151
36
110 not · 5 unk.
27
119 not · 5 unk.
41
105 not · 5 unk.
AR125
33
79 not · 13 unk.
21
89 not · 15 unk.
24
86 not · 15 unk.
CO125
32
90 not · 3 unk.
21
102 not · 2 unk.
38
82 not · 5 unk.
WV115
26
88 not · 1 unk.
13
102 not · 0 unk.
20
94 not · 1 unk.
MS112
19
80 not · 13 unk.
10
90 not · 12 unk.
16
85 not · 11 unk.
WA105
23
80 not · 2 unk.
15
86 not · 4 unk.
28
74 not · 3 unk.
UT96
19
75 not · 2 unk.
13
80 not · 3 unk.
19
73 not · 4 unk.
NC95
20
71 not · 4 unk.
16
75 not · 4 unk.
19
69 not · 7 unk.
CT91
20
70 not · 1 unk.
16
74 not · 1 unk.
26
63 not · 2 unk.
SC90
24
62 not · 4 unk.
21
67 not · 2 unk.
25
60 not · 5 unk.
ND89
26
60 not · 3 unk.
21
65 not · 3 unk.
23
63 not · 3 unk.
SD89
15
68 not · 6 unk.
15
69 not · 5 unk.
20
64 not · 5 unk.
MD88
15
71 not · 2 unk.
10
77 not · 1 unk.
25
63 not · 0 unk.
MT76
16
57 not · 3 unk.
13
60 not · 3 unk.
20
53 not · 3 unk.
ME69
26
41 not · 2 unk.
23
46 not · 0 unk.
13
52 not · 4 unk.
NM66
20
41 not · 5 unk.
8
51 not · 7 unk.
16
43 not · 7 unk.
OR60
14
44 not · 2 unk.
7
52 not · 1 unk.
16
42 not · 2 unk.
HI51
13
38 not · 0 unk.
5
46 not · 0 unk.
12
39 not · 0 unk.
AZ45
17
27 not · 1 unk.
11
33 not · 1 unk.
25
19 not · 1 unk.
WY42
12
28 not · 2 unk.
6
34 not · 2 unk.
13
26 not · 3 unk.
ID36
9
27 not · 0 unk.
4
31 not · 1 unk.
8
25 not · 3 unk.
DC33
3
30 not · 0 unk.
2
31 not · 0 unk.
9
24 not · 0 unk.
DE31
5
25 not · 1 unk.
3
27 not · 1 unk.
2
29 not · 0 unk.
NH29
9
20 not · 0 unk.
7
21 not · 1 unk.
6
22 not · 1 unk.
NV28
8
19 not · 1 unk.
6
22 not · 0 unk.
11
17 not · 0 unk.
VT25
6
17 not · 2 unk.
4
19 not · 2 unk.
6
17 not · 2 unk.
Not on file23
1
16 not · 6 unk.
1
16 not · 6 unk.
1
16 not · 6 unk.
RI19
6
13 not · 0 unk.
5
13 not · 1 unk.
6
13 not · 0 unk.
AK14
5
8 not · 1 unk.
1
12 not · 1 unk.
3
9 not · 2 unk.
PR9
0
9 not · 0 unk.
0
9 not · 0 unk.
0
9 not · 0 unk.
VI6
0
6 not · 0 unk.
0
6 not · 0 unk.
1
5 not · 0 unk.
GU4
0
4 not · 0 unk.
0
4 not · 0 unk.
0
4 not · 0 unk.
FM1
0
1 not · 0 unk.
0
1 not · 0 unk.
0
1 not · 0 unk.

About Zelle coverage

Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.

FDIC bank directory last verified July 28, 2026.

NCUA credit union directory last verified July 18, 2026.

Rail participation last verified November 1, 2026.

Bank asset data last verified November 1, 2026.

See methodology for how rail participation is verified. Download this data as CSV.

Cite this data

InstantRailCheck. "U.S. Instant Payments Coverage." Data verified November 2026. https://www.instantrailcheck.com/research/instant-payments

Community on Reddit

Privacy · Terms