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What we do

We use technology to brighten your financial day. We created a digital payments network so you can easily and safely send money to anyone with a U.S. bank account. You can access the network through the websites and apps of our network banks and right here on And we’re obsessive about security - yours.

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A big, bold first

Formed May 2011, clearXchange is the first U.S. digital payments network created by banks, for banks.

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Direct to your bank account

With clearXchange, money is sent directly to the bank account you register, at the bank you already trust. No need to hassle with a third party account.

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Owned by Top Banks

clearXchange (an Early Warning company) is owned by Bank of America, BB&T, Capital One, Chase, PNC, U.S. Bank, and Wells Fargo. This is another way of saying our financial credentials are pretty strong.

Pay someone, the simple way

Person-to-person payments the direct and simple way.

More than just P2P

We offer solutions for both businesses and governments to digitize disbursements. Ditch those costly paper checks.

Your money, right now

We enable our network banks to offer real-time payment solutions. Check with your bank to learn more!

Network banks, a hello.

Used by the nation’s top financial institutions, we provide customers with person-to-person, business-to-consumer, and government-to-consumer payments. Our payments network is offered through:

  • Bank of America
  • Capital One P2P Payments
  • Chase QuickPay℠
  • Citi
  • FirstBank Person to Person Transfers
  • Fifth Third Bank
  • Frost Send Money
  • PNC Bank, National Association
  • TD Bank Send Money
  • U.S. Bank Send Money
  • USAA
  • Wells Fargo SurePay℠

Want to be a clearXchange network bank?

Enrich the banking experience for your customers. clearXchange integrates with existing online and mobile banking services and products. That’s our expertise. We were recently acquired by Early Warning, a leader in fraud prevention, risk management and authentication – also a strong value add for your customers. New conveniences, higher security and a huge network that’s expanding with new possibilities every day.

Ready to join?

Get Involved