XPress RTP

Xpress presents RTP, the revolution to online payments

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, and to receive and access funds sent to them over the network immediately.

The XPress RTP network represents a new phase of evolution within the U.S. payments industry and provides a platform for product innovation.

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.


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

Payment Certainty

Sending 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 around return of funds sent in error.


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

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.

Transaction Limits

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

Participating XPress RTP Financial Institutions
  • Avidia Bank
  • Bank of America N.A.
  • Bank of New York Mellon
  • Bank of the West
  • Bank Champaign N.A.
  • BankNewport
  • Bar Harbor Bank & Trust
  • Black Hills Federal Credit Union
  • Cape Cod Five Cents Savings Bank
  • Century Bank & Trust
  • Chain Bridge Bank N.A.
  • Chesapeake Bank
  • ChoiceOneBank
  • CIBM Bank
  • Citibank N.A.
  • Citizens Bank N.A.
  • Comerica Bank
  • CorporateOne Federal Credit Union
  • Cross River Bank
  • Dogwood State Bank
  • Dow Chemical Employees’ Credit Union
  • Essex Bank
  • Essex Savings Bank
  • Farmers & Merchants Bank
  • Fifth Third Bank N.A.
  • First Bank
  • First Bank of Manhattan
  • First Fidelity Bank
  • First National Bank of Coffee County
  • High Plains Bank
  • HSBC Bank USA N.A.
  • Huntington National Bank
  • IncredibleBank
  • JPMorgan Chase Bank N.A.
  • KeyBank N.A.
  • Manufacturers and Traders Trust Company (M&T)
  • MUFG Union Bank N.A.
  • Nano Banc
  • National Bank of Texas at FortWorth
  • North State Bank
  • Northeast Bank
  • Pacific National Bank
  • Pegasus Bank
  • PNC Bank N.A.
  • Regions Bank
  • Royal Bank
  • Signature Bank
  • TD Bank N.A.
  • Third Coast Bank, SSB
  • Truist Bank
  • U.S. Bank N.A.
  • Wells Fargo Bank N.A.

We have the solution to fit any of your needs.
With us, it's easy!