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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.

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.

1,131 institutions are confirmed on both FedNow and RTP.

Overview

8,607
Active institutions
4,255
FDIC-insured banks
4,336
NCUA credit unions
1,131
Confirmed on both FedNow & RTP

Rail coverage

FedNow22.8% confirmed
1,961 confirmed6,212 not confirmed434 unknown
RTP17.4% confirmed
1,496 confirmed6,704 not confirmed407 unknown
Zelle (P2P)24.4% confirmed
2,099 confirmed5,990 not confirmed518 unknown

FDIC banks vs. NCUA credit unions

FDIC-insured banks (4,255)

FedNow29.8% confirmed
1,267 confirmed2,585 not confirmed403 unknown
RTP22.8% confirmed
969 confirmed2,927 not confirmed359 unknown
Zelle29.8% confirmed
1,270 confirmed2,528 not confirmed457 unknown

NCUA credit unions (4,336)

FedNow16% confirmed
694 confirmed3,617 not confirmed25 unknown
RTP12.2% confirmed
527 confirmed3,767 not confirmed42 unknown
Zelle19.1% confirmed
829 confirmed3,452 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 $100M2,811
195
2,614 not · 2 unk.
156
2,649 not · 6 unk.
266
2,542 not · 3 unk.
$100M–$1B3,503
1,033
2,446 not · 24 unk.
737
2,740 not · 26 unk.
1,134
2,343 not · 26 unk.
$1B–$10B1,218
494
720 not · 4 unk.
438
772 not · 8 unk.
583
617 not · 18 unk.
$10B+171
56
115 not · 0 unk.
50
121 not · 0 unk.
81
90 not · 0 unk.
Unknown904
183
317 not · 404 unk.
115
422 not · 367 unk.
35
398 not · 471 unk.

Coverage by state or territory

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

InstitutionsCountFedNowRTPZelle
TX726
164
517 not · 45 unk.
109
573 not · 44 unk.
190
490 not · 46 unk.
IL516
118
375 not · 23 unk.
98
395 not · 23 unk.
130
357 not · 29 unk.
NY387
74
310 not · 3 unk.
54
326 not · 7 unk.
94
284 not · 9 unk.
PA381
60
317 not · 4 unk.
44
332 not · 5 unk.
76
299 not · 6 unk.
CA358
88
262 not · 8 unk.
66
287 not · 5 unk.
157
185 not · 16 unk.
OH351
80
262 not · 9 unk.
89
255 not · 7 unk.
62
267 not · 22 unk.
MN304
78
215 not · 11 unk.
59
231 not · 14 unk.
76
211 not · 17 unk.
IA293
48
189 not · 56 unk.
39
205 not · 49 unk.
38
200 not · 55 unk.
MO283
77
189 not · 17 unk.
58
214 not · 11 unk.
64
206 not · 13 unk.
WI253
58
180 not · 15 unk.
41
196 not · 16 unk.
73
163 not · 17 unk.
KS247
51
175 not · 21 unk.
33
191 not · 23 unk.
40
186 not · 21 unk.
MI242
86
148 not · 8 unk.
74
160 not · 8 unk.
65
165 not · 12 unk.
LA241
38
191 not · 12 unk.
30
199 not · 12 unk.
57
170 not · 14 unk.
TN235
58
167 not · 10 unk.
41
182 not · 12 unk.
46
166 not · 23 unk.
OK223
50
148 not · 25 unk.
34
164 not · 25 unk.
52
153 not · 18 unk.
IN212
52
149 not · 11 unk.
41
160 not · 11 unk.
45
150 not · 17 unk.
MA212
48
160 not · 4 unk.
47
164 not · 1 unk.
45
160 not · 7 unk.
GA196
50
132 not · 14 unk.
41
145 not · 10 unk.
62
120 not · 14 unk.
FL191
61
128 not · 2 unk.
54
134 not · 3 unk.
74
112 not · 5 unk.
NE189
41
126 not · 22 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
18
155 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
35
110 not · 6 unk.
27
119 not · 5 unk.
40
106 not · 5 unk.
AR125
31
80 not · 14 unk.
21
89 not · 15 unk.
24
85 not · 16 unk.
CO125
31
91 not · 3 unk.
21
102 not · 2 unk.
36
83 not · 6 unk.
WV115
25
89 not · 1 unk.
13
102 not · 0 unk.
20
94 not · 1 unk.
MS112
18
81 not · 13 unk.
10
90 not · 12 unk.
16
84 not · 12 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.
18
70 not · 7 unk.
CT91
19
71 not · 1 unk.
16
74 not · 1 unk.
26
63 not · 2 unk.
SC90
23
62 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
14
72 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
26
41 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
19 not · 1 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 September 20, 2026.

Bank asset data last verified September 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 September 2026. https://www.instantrailcheck.com/research/instant-payments

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