Sutton Bank

Commercial bank · Attica, United States

Sutton Bank is an Ohio community bank founded in 1878 with nine offices and USD 1.74 billion of assets at 30 June 2026. Two businesses sit inside one charter. The visible one is small-town banking: business and agricultural lending, Kasasa checking, treasury management and Clover point of sale. The larger one is card issuing for fintech companies: Marqeta reported that 61 percent of its total processing volume in the first quarter of 2026 settled through Sutton Bank, and the bank's homepage carries a notice for Cash App cardholders. That programme business shows up in the numbers, with return on assets of 5.07 percent and return on equity of 37.73 percent, far above a normal community bank. The public website does not market the payments division at all; suttonbank.com/payments returns a page-not-found.

Legal name: Sutton Bank
Regulated by: FDIC, Ohio Division of Financial Institutions
Licence confirmed: yes, on a regulator's own list
Established: 1878
Website: www.suttonbank.com

Scores, 0 to 10

8.5Fintech companies that need a partner bank

Marqeta's Q1 2026 10-Q reports 61 percent of its total processing volume settling through Sutton Bank, and the filing lists a Card Program Manager Agreement amended in January 2026, so sponsoring fintech card programmes is a core business. · source

6.5Financial strength & stability

USD 228.0 million of equity on USD 1.74 billion of assets with ROE of 37.73 percent at 30 June 2026, but the bank is unrated and its earnings lean on one card-programme relationship. · source

6.0United States

Ohio state charter with nine offices, USD 1.74 billion of assets, and a national footprint through sponsored card programmes rather than branches. · source

6.0Business cards (Visa, Mastercard)

Business credit cards and business debit cards are offered directly, and the bank issues millions of cards for third-party programmes, but its own business card product has no virtual cards or spend controls described. · source

5.0On-ramp: buy crypto with fiat

Sutton is the sponsor bank behind card programs of crypto firms including Cash App, Bakkt and Fold, whose 2026 SEC prospectus names its Sutton program agreement, so it banks crypto companies as partners, but it publishes no policy for its own business clients paying exchanges and has been under an FDIC consent order on BSA/AML and third-party risk since February 2024. · source

4.5Lowest fees

Kasasa checking is advertised as fee-free for consumers, but no business account fee schedule is published on the site. · source

4.5Best interest on business balances

Business money market and Blue Chip accounts exist, but no business deposit rate is published on the business pages. · source

4.5Off-ramp: crypto to fiat in a business account

Crypto proceeds flow through its partner programs, but no source-of-funds process for business clients is published, and 2026 reporting traced no-KYC crypto cards loaded with USDT to Sutton BINs through a program manager, which points to tighter reviews ahead under the 2024 FDIC order. · source

4.0Fast digital onboarding

Business accounts are opened through branches and bankers; there is no online business application, while fintech programme onboarding is not described publicly at all. · source

4.0Online businesses: e-commerce and SaaS

Merchant card services and Clover point of sale are offered to local merchants, but there is no multi-currency collection account or marketplace payout product. A software company can reach Sutton as a card programme sponsor, but the published banking products have no API, no receiving accounts and no recurring-revenue lending. · source

4.0Startups & VC-backed companies

Fintech startups can reach the bank as programme partners, but nothing on the site offers a startup account, venture debt or pre-revenue onboarding. · source

3.5Crypto-friendly bank

The bank publishes no crypto policy of its own, though it is the issuing bank for Cash App cards, a product of a company that also sells bitcoin. · source

3.5Customer satisfaction

Trustpilot rates suttonbank.com 2.3 out of 5 from 12 reviews, and the CFPB complaint database has no company registered under the name Sutton Bank. · source

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

Dollar accounts and dollar card programmes only; no foreign currency account or published FX pricing. Treasury management covers business digital banking, merchant card services and business debit cards, but it is single currency with no pooling or host-to-host. · source

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

The bank publishes no prohibited-activities list and no policy on gambling, cannabis, adult or forex businesses. · source

2.5Foreign-owned & non-resident companies

Account opening runs through Ohio branches; no remote or non-resident onboarding path is published. · source

2.0Trade, manufacturing & import-export

No letters of credit, guarantees or supply-chain finance are offered. · source

2.0Bitcoin

Sutton issues cards linked to bitcoin apps (the Cash App card and the Fold card with bitcoin rewards), but the bitcoin sits with those consumer apps and a business client cannot buy or hold bitcoin at the bank. · source

1.0Crypto wallet and custody for a business

Sutton Bank's business and treasury pages list checking, cards, merchant services and Clover terminals with no crypto custody; the crypto balances behind cards it issues are held by partners such as Block (Cash App), Bakkt and Fold, checked September 2026. · source

1.0Accept crypto payments

Sutton's merchant card services and Clover point-of-sale offer take cards only, with no crypto or stablecoin acceptance on its treasury management pages, checked September 2026. · source

1.0Ethereum

No ether product for business clients at Sutton; its only crypto links are partner card programs, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

Sutton offers no stablecoin accounts or payouts; the only stablecoin link found is third-party card programs loaded with USDT or USDC, which the bank does not market, checked 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.