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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.

Overview

8,607
Active institutions
4,255
FDIC-insured banks
4,336
NCUA credit unions
1,125
Confirmed on both FedNow & RTP

Rail coverage

FedNow22.1% confirmed
1,902 confirmed6,260 not confirmed445 unknown
RTP17.4% confirmed
1,496 confirmed6,704 not confirmed407 unknown
Zelle (P2P)24.1% confirmed
2,077 confirmed6,005 not confirmed525 unknown

FDIC banks vs. NCUA credit unions

FDIC-insured banks (4,255)

FedNow29.2% confirmed
1,242 confirmed2,607 not confirmed406 unknown
RTP22.8% confirmed
969 confirmed2,927 not confirmed359 unknown
Zelle29.6% confirmed
1,261 confirmed2,532 not confirmed462 unknown

NCUA credit unions (4,336)

FedNow15.2% confirmed
660 confirmed3,643 not confirmed33 unknown
RTP12.2% confirmed
527 confirmed3,767 not confirmed42 unknown
Zelle18.8% confirmed
816 confirmed3,463 not confirmed57 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 $100M2,812
187
2,621 not · 4 unk.
156
2,650 not · 6 unk.
263
2,546 not · 3 unk.
$100M–$1B3,529
1,014
2,487 not · 28 unk.
745
2,757 not · 27 unk.
1,130
2,369 not · 30 unk.
$1B–$10B1,212
475
733 not · 4 unk.
440
765 not · 7 unk.
578
616 not · 18 unk.
$10B+165
52
113 not · 0 unk.
48
117 not · 0 unk.
79
86 not · 0 unk.
Unknown889
174
306 not · 409 unk.
107
415 not · 367 unk.
27
388 not · 474 unk.

Coverage by state or territory

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

InstitutionsCountFedNowRTPZelle
TX726
155
524 not · 47 unk.
109
573 not · 44 unk.
189
491 not · 46 unk.
IL516
116
377 not · 23 unk.
98
395 not · 23 unk.
129
358 not · 29 unk.
NY387
72
311 not · 4 unk.
54
326 not · 7 unk.
88
290 not · 9 unk.
PA381
60
317 not · 4 unk.
44
332 not · 5 unk.
75
300 not · 6 unk.
CA358
86
264 not · 8 unk.
66
287 not · 5 unk.
155
187 not · 16 unk.
OH351
74
268 not · 9 unk.
89
255 not · 7 unk.
61
268 not · 22 unk.
MN304
77
215 not · 12 unk.
59
231 not · 14 unk.
76
211 not · 17 unk.
IA293
47
190 not · 56 unk.
39
205 not · 49 unk.
38
196 not · 59 unk.
MO283
75
191 not · 17 unk.
58
214 not · 11 unk.
63
207 not · 13 unk.
WI253
55
182 not · 16 unk.
41
196 not · 16 unk.
72
163 not · 18 unk.
KS247
49
175 not · 23 unk.
33
191 not · 23 unk.
39
187 not · 21 unk.
MI242
82
152 not · 8 unk.
74
160 not · 8 unk.
65
165 not · 12 unk.
LA241
37
191 not · 13 unk.
30
199 not · 12 unk.
55
172 not · 14 unk.
TN235
55
169 not · 11 unk.
41
182 not · 12 unk.
46
166 not · 23 unk.
OK223
49
148 not · 26 unk.
34
164 not · 25 unk.
52
153 not · 18 unk.
IN212
51
150 not · 11 unk.
41
160 not · 11 unk.
44
151 not · 17 unk.
MA212
46
162 not · 4 unk.
47
164 not · 1 unk.
45
160 not · 7 unk.
GA196
49
133 not · 14 unk.
41
145 not · 10 unk.
59
123 not · 14 unk.
FL191
56
132 not · 3 unk.
54
134 not · 3 unk.
74
112 not · 5 unk.
NE189
42
126 not · 21 unk.
30
139 not · 20 unk.
38
132 not · 19 unk.
AL182
56
113 not · 13 unk.
46
127 not · 9 unk.
39
132 not · 11 unk.
NJ176
16
157 not · 3 unk.
15
158 not · 3 unk.
53
115 not · 8 unk.
KY171
44
118 not · 9 unk.
28
138 not · 5 unk.
37
119 not · 15 unk.
VA151
34
111 not · 6 unk.
27
119 not · 5 unk.
40
106 not · 5 unk.
AR125
30
81 not · 14 unk.
21
89 not · 15 unk.
24
85 not · 16 unk.
CO125
31
90 not · 4 unk.
21
102 not · 2 unk.
36
82 not · 7 unk.
WV115
23
91 not · 1 unk.
13
102 not · 0 unk.
20
94 not · 1 unk.
MS112
18
81 not · 13 unk.
10
90 not · 12 unk.
15
85 not · 12 unk.
WA105
22
81 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
19
72 not · 4 unk.
16
75 not · 4 unk.
18
70 not · 7 unk.
CT91
18
72 not · 1 unk.
16
74 not · 1 unk.
26
63 not · 2 unk.
SC90
22
63 not · 5 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
13
73 not · 2 unk.
10
77 not · 1 unk.
25
63 not · 0 unk.
MT76
15
58 not · 3 unk.
13
60 not · 3 unk.
20
52 not · 4 unk.
ME69
25
42 not · 2 unk.
23
46 not · 0 unk.
13
52 not · 4 unk.
NM66
19
41 not · 6 unk.
8
51 not · 7 unk.
16
43 not · 7 unk.
OR60
13
45 not · 2 unk.
7
52 not · 1 unk.
16
42 not · 2 unk.
HI51
12
39 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
18 not · 2 unk.
WY42
11
29 not · 2 unk.
6
34 not · 2 unk.
11
28 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
5
18 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 August 7, 2026.

See methodology for how rail participation is verified.

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