Which banks in the US are crypto friendly?

4 banks in the US carry a CBL Score. Anchorage Digital (12 of 16), Cross River Bank (8 of 16), Mercury (4 of 16) lead the list. 1 of the 4 open to ordinary retail customers; the rest take businesses, institutions or qualified investors.

Every scored bank in the US

Bank	Score	Type	Health	P2P	Verdict
Anchorage Digital	12/16	Crypto-native	Solid	none	Yes for institutions, no for individuals.
Cross River Bank	8/16	Business banking	Watch	none	Yes for crypto businesses and fintech partners, which is who the bank is built for. Individuals can bank here too, but get no crypto features.
Mercury	4/16	Business banking	Watch	none	Partly. Crypto startups, DAOs and funds get accounts and can wire to exchanges, but Mercury bans exchanges and MSBs and lists buying or selling crypto through the account as grounds for closure.
Custodia Bank	3/16	Crypto-native	Caution	none	Not really. Custodia is a chartered Wyoming bank, but today it sells blockchain infrastructure to other banks and publishes no customer account, no fiat rail and no exchange transfer service.

Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.

How the US regulates this

National trust charters from the OCC are the federal route for crypto banks. Anchorage got the first in January 2021. In December 2025 the OCC conditionally approved charters for Circle, Ripple, BitGo, Fidelity Digital Assets and Paxos. source
A charter is not a Federal Reserve master account. The Fed denied Custodia's membership in January 2023, and the courts upheld the Kansas City Fed's refusal of an account through 2026. source
In May 2026 the Federal Reserve proposed a limited payment account for state-chartered institutions such as Wyoming SPDIs. The proposal is not final. source
Banking-as-a-service partner banks carry the compliance risk. The FDIC issued consent orders against Cross River in 2023 and against Mercury's partner Choice Financial in 2023, and terminated others in December 2025. source
Fintechs are applying for their own charters. The OCC gave Mercury preliminary conditional approval for Mercury Bank, N.A. in April 2026, with FDIC insurance still pending. source

Every list for the US

By bank type

By what the bank lets you do

Crypto-friendly banks in the US with exchange transfers (2)Crypto-friendly banks in the US with a stablecoin off-ramp (3)Crypto-friendly banks in the US with Web3 business accounts (4)Crypto-friendly banks in the US with exchange transfers and a stablecoin off-ramp (2)Crypto-friendly banks in the US with exchange transfers and Web3 business accounts (2)Crypto-friendly banks in the US with a stablecoin off-ramp and Web3 business accounts (3)

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