Newline by Fifth Third

Fifth Third Bank’s API platform for payments, cards and deposit accounts, sold directly by the bank.

Newline is a division of Fifth Third Bank, National Association, launched after Fifth Third acquired Rize Money in 2023. Its clients use one API to send ACH, wires, book transfers and Real-Time Payments, issue commercial credit and prepaid debit cards in virtual and physical formats, and hold FDIC-insured accounts where eligibility conditions apply, with Fifth Third itself as the bank. Instant payments run on RTP; the documentation lists FedNow as not yet available. Newline does not publish pricing.

Website: newline53.com
Infrastructure layers: Banking-as-a-service, embedded payments (bank-owned platform)
Products (as published): Payments and transfers (ACH, wires, book transfers, Real-Time Payments; FedNow not yet available)
Cards (commercial credit and prepaid debit, virtual and physical)
Bank accounts (FDIC-insured, when eligibility conditions apply)
Client types: Enterprises: payment processors, fintech companies, payroll and HR software, accounts payable and receivable platforms
Regions served: United States
Publicly announced partner banks: Fifth Third Bank, N.A. (Newline is a division of the bank)
Licences and registrations (official registers): Licence or registration Register Number
Fifth Third Bank, National Association, national bank FDIC BankFind certificate 6672 regulator OCC
API documentation: developers.newline53.com
Date checked: September 27, 2026
Profile type: Standard

Licence or registration	Register	Number
Fifth Third Bank, National Association, national bank	FDIC BankFind certificate 6672	regulator OCC

Questions

Which bank is behind Newline?

Fifth Third Bank, National Association. Newline is a division of that bank rather than a separate company, and the FDIC register lists Fifth Third as active in Cincinnati, certificate 6672, with the OCC as its regulator.

Does Newline support FedNow?

Not yet. Instant payments run on The Clearing House’s RTP network, with a $1,000,000 send limit and a $10,000,000 receive limit, and payments must be originated and received inside the United States.

What is the link between Newline and Stripe?

In July 2024 Fifth Third announced that Newline would power Stripe Treasury, the service through which software platforms on Stripe offer embedded accounts to their own customers.

Sources

Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.

Newline by Fifth Third

Questions

See also

Sources