Customers Bank

Commercial bank · West Reading, United States

Customers Bank is a Pennsylvania state-chartered bank and Federal Reserve member owned by NYSE-listed Customers Bancorp, Inc., with USD 26.5 billion of assets and USD 21.7 billion of deposits at 30 June 2026. It runs only seven branches and reaches business clients nationally through relationship teams and its in-house payments platform cubiX, which moves money over wire, ACH, RTP and FedNow 24 hours a day. Digital asset firms are its largest deposit concentration, supplying 78 percent of cubiX deposit balances in the second quarter of 2026. The bank has no foreign currency accounts, no trade finance and no correspondent banking service. In August 2024 it signed a written agreement with the Federal Reserve and accepted a consent order from the Pennsylvania Department of Banking and Securities over compliance risk management, including its digital asset business.

Legal name: Customers Bancorp, Inc.
Regulated by: Federal Reserve Board and Federal Reserve Bank of Philadelphia (state member bank), Pennsylvania Department of Banking and Securities, FDIC (deposit insurance, certificate 34444)
Licence confirmed: yes, on a regulator's own list
Established: 1997
Website: www.customersbank.com

Scores, 0 to 10

9.5On-ramp: buy crypto with fiat

cubiX lets mutual institutional clients fund Gemini 24/7 in seconds with no minimum and a $1B per-transaction limit, and digital asset clients held 78% of cubiX deposits at 30 June 2026. · source

9.5Off-ramp: crypto to fiat in a business account

Withdrawals from Gemini to a cubiX-enabled account settle around the clock including weekends, and the bank processed $5T of cubiX transfer volume by Q2 2026. · source

8.5Crypto-friendly bank

Digital asset clients supplied 78% of cubiX deposit balances at 30 June 2026 and the FY2025 Form 10-K names the digital asset industry as the bank's largest deposit concentration. · source

7.5United States

Pennsylvania state-chartered Federal Reserve member bank with FDIC certificate 34444, USD 26.5 billion of assets and national commercial verticals, but only seven branches. · source

7.5Fintech companies that need a partner bank

The Financial Institutions Group banks fintech firms, broker-dealers, trust companies and credit unions with 15c3-3 customer and PAB reserve accounts and insured cash sweeps, and the FY2025 Form 10-K names Banking-as-a-Service to fintech companies as a business line. · source

7.5Startups & VC-backed companies

The Tech and Venture group offers term loans, ARR credit facilities, unitranche and first-out last-out structures plus capital call and management company lines for venture and growth equity funds. · source

7.0Customer satisfaction

The Q2 2026 investor presentation filed with the SEC reports a Net Promoter Score of 81 for Customers Bank as of December 2025 against a Qualtrics US banking benchmark of 41, a survey the bank commissions itself. · source

6.5Lowest fees

Commercial checking opens with a USD 0 minimum deposit and charges nothing per check, deposit or item, with surcharge-free use of over 55,000 Allpoint ATMs, but no wire or treasury fee schedule is published. · source

6.0Financial strength & stability

KBRA rates Customers Bank BBB+ and Customers Bancorp BBB with a Positive outlook set on 9 December 2025, while the August 2024 Federal Reserve written agreement still carries no termination date. · source

5.5Stablecoins (USDC, USDT and others)

Circle has used its instant CBIT settlement for USDC mint and burn since 2023, but ordinary business clients cannot hold or send stablecoins at the bank. · source

5.0Fast digital onboarding

The Q2 2026 earnings release still lists onboarding of complex commercial deposit accounts in minutes rather than hours as a 2026 goal, and accounts are opened through a single point of contact banker. · source

4.5Online businesses: e-commerce and SaaS

The FY2025 Form 10-K lists merchant processing services among the bank's products, but there are no foreign-currency collection accounts and no marketplace payout product. The Technology and Venture Banking unit lends against predictable annual recurring revenue and the cubiX platform offers API integration for instant payments over RTP, FedNow, ACH and wire. · source

4.0Best interest on business balances

Commercial Interest Checking pays 0.05% APY and Commercial Interest Checking Plus pays 0.35% APY only above USD 100,000, both quoted as of 30 June 2026. · source

4.0Business cards (Visa, Mastercard)

Business checking comes with debit cards that work on the Allpoint, Star, NYCE and Visa Plus ATM networks, and the pages opened today show no virtual cards, commercial card programme or spend controls. · source

3.0Cross-border payments, FX and multi-currency accounts

The FY2025 Form 10-K contains no foreign exchange product and the treasury management page offers only ACH, wires, lockbox, bill pay and positive pay, with no multi-currency account. Treasury products cover positive pay, ACH, wires, lockbox, remote deposit and sweep accounts in US dollars only, with no cash pooling and no hedging. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Customers Bank publishes no policy on gambling, cannabis, adult or forex businesses, so the score is conservative. · source

2.0Trade, manufacturing & import-export

Standby letters of credit appear among off-balance-sheet commitments, but the FY2025 Form 10-K contains no trade finance, documentary collections or supply chain finance product. · source

2.0Foreign-owned & non-resident companies

Accounts are opened through a banker for US businesses and the bank publishes no path for companies with non-resident owners. · source

1.0Crypto wallet and custody for a business

Customers Bank's digital payments page lists cubiX transfers and treasury settlement for crypto-native firms but no crypto holding or custody for business clients, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants is offered; cubiX moves US dollars over wire, ACH, RTP, FedNow and its intra-bank network, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or transfer for business clients; the bank moves only fiat for crypto firms, checked on its digital payments page in September 2026. · source

1.0Ethereum

No ether trading, custody or staking is offered to companies, checked on its digital payments page in September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.