Real time payments by XPress

XPress Processing is excited to announce our latest and greatest payment method to date. The XPress RTP network provides both consumers and businesses with the ability to conveniently send payments directly from their accounts at federally insured depository institutions 24/7. In addition, they can receive and access funds sent to them over the network immediately.

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Immediate Availability

Recipients receive the payment within seconds of the sending bank initiating the transaction. The receiving financial institution is required to make the funds available immediately, except where necessary for risk management or legal compliance purposes.

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Customers of our RTP network, are able to initiate payments from their existing bank accounts. There is no need to create an external account elsewhere.

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Payment Certainty

Originating financial institutions (FI) are not able to revoke or recall a payment once it has been authorized and submitted to the network. However, there is a process to facilitate FI-to-FI communication regarding return of funds sent in error.

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The XPress RTP network is live and operates 24/7.

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Cash Flow Control

The ability to send and receive immediate payments gives customers more control over cash flow, which may be particularly important for cash-constrained small businesses and consumers.

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Transaction Limits

The transaction limit is currently set to $100,000.00.

Participating RTP Financial Institutions

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  • Avidia Bank
  • Bank Of America N.A.
  • Bank Of New York Mellon
  • Bank Of The West
  • Bank Champaign N.A.
  • BankNewport
  • Citibank N.A.
  • Bar Harbor Bank & Trust
  • Citizens Bank NA
  • Cape Cod Five Cents Savings Bank
  • Century Bank & Trust Company
  • Chain Bridge Bank N.A.
  • Chesapeake Bank
  • First Bank Of Manhattan
  • First Fidelity Bank
  • First National Bank Of Coffee County
  • High Plains Bank
  • HSBC Bank USA
  • Huntington National Bank
  • Incredible Bank
  • JPMorgan Chase Bank
  • KeyBank N.A.
  • Manufacturers And Traders Trust Company
  • MUFG Union Bank N.A.
  • Associated Credit Union of Texas
  • Avidia Bank 2
  • Bank Independent
  • Bank of Clarkson
  • Bank of Lexington Inc
  • Banner Bank
  • Black Hills FCU
  • BMO Harris Bank
  • Branch Banking and Trust
  • Bryant Bank
  • Cape Cod Five Cents Saving Bank
  • Capital One National Association
  • Chain Bridge Bank NA
  • ChoiceOne Bank
  • CIBM Bank
  • Nano banc
  • Black Hills Federal Credit Union
  • Comerica Bank
  • Community First Bank
  • Corporate One Federal Credit Union
  • Cross River Bank
  • Dogwood State Bank
  • Dow Chemical Employees CU
  • Edmonton State Bank
  • ESL Federal Credit Union
  • Essex Bank
  • Essex Savings Bank
  • Farmers & Merchants Bank
  • Fifth Third Bank
  • First American Bank & Trust Co
  • First Bank and Trust Company
  • First Bank of Creve Couer MO
  • First Commonwealth Bank
  • First Financial Bank
  • First State Bank
  • First State Bank & Trust Company
  • First State Bank of Middlebury
  • FirstBank of Nashville TN
  • Flint Community Bank
  • FNB of Coffee County
  • Gorham Savings Bank
  • John Marshall Bank
  • Keybank National Association
  • Kitsap Bank
  • Lakeside Bank
  • Liberty National Bank
  • M&T Bank
  • Marine Bank and Trust Company
  • Meade County Bank
  • Meadows Bank
  • Michigan State University FCU
  • MidFirst Bank
  • Monticello Banking Company
  • MUFG Union Bank NA
  • MVB Bank Inc
  • National Bank of Texas
  • Newtown Savings Bank
  • North State Bank
  • Northeast Bank
  • Ocean Bank
  • Origin Bank
  • Pacific National Bank
  • Pacific Service Credit Union
  • Pegasus Bank
  • Peoples Bank
  • Peoples Bank of Alabama
  • PNC
  • Regions Bank
  • River City Bank Inc
  • Royal Bank
  • Signature Bank
  • Southern Michigan Bank and Trust
  • SunTrust Banks Inc
  • TD Bank N A
  • The Village Bank
  • Third Coast Bank SSB
  • Truity Federal Credit Union
  • US Bank
  • VA Desert Pacific FCU
  • Ventura County Credit Union
  • Wells Fargo Bank
  • Wells River Savings Bank
  • West Point Bank

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