Cross River Bank provides custom banking solutions to its partners. Their card programs include card issuing and account management services, as well as BNPL and credit building.

Cross River offers reliable credit building products, including secured cards, charge cards, consumer credit cards, and commercial credits. The company collaborates with major card networks like Visa, Mastercard, or American Express to issue credit cards.

Cross River Bank partners include Stripe, Best Egg, Plaid, Upgrade and Divvy to name a few. Upgrade, Inc. is a neobank that provides customers affordable financial products. They offer credit and banking products to consumers, including fixed-rate credit cards and loans.

Divvy, which is now BILL Spend & Expense, allows businesses to manage payments, build strategic budgets, and eliminate the need to build meticulous expense reports. Divvy partnered with Cross River to provide access to credit through custom charge cards.