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Cross River
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Cross River


Trustpilot Rating

Reviews 34





Entity type

Technology Providers

Client type




United States of America



Employee Count


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AcquiringAPI integrationBank Account OpeningsCard providersCash depositCash withdrawalCredit cardsCrypto-friendly AccountDebit cardsLoansWalletsWire Transfer AcceptanceUS allowedACH

Total Score

Pricing of the services


Social media presence


Popularity of the service


Onboarding difficulty


Support quality


About Cross River

Cross River is a technology-driven financial services organization that provides core infrastructure and embedded financial solutions with regulatory compliance. Cross River provides a one-stop-shop, highly compliant, API-based banking platform and comprehensive suite of products encompassing lending, payments, crypto, risk management and Banking-as-a-Service (BaaS) offerings. Cross River Bank is a New Jersey state-chartered FDIC insured bank. Cross River Bank offers checking, money market and savings accounts as well as CDs.


Setup Fee

Monthly Maintenance Fee

SEPA Incoming

SEPA Outgoing

SWIFT Incoming

SWIFT Outgoing

FX Fee


  • USD

    (United States dollar)

Trustpilot reviews


May 12, 2022

PPP loan nightmare

So..I am a sole proprietor. Care Taker/ Cleaning Lady. Around Febuary 2020 small guys like me could apply for PPP loan. I was approved. 7500.00. I used the money correctly and my business is open. I am still my only employee and I am still working and trying to rebuild. Cross River Bank denied me forgiveness because they say I don't qualify as per the old rules for PPP..which changed around Feb 2021. I use quickbooks and Turbo tax. Long time customer. So Quickbooks Capitol says I don't qualify for any forgiveness. I appealed but with no numbers to real humans ultimately I was arguing with an A I who provided only one answer to any questions. Then Quickbooks opened the SBA PPP LOAN FORGIVENESS PORTAL . I applied for forgiveness. Over a year has passed with no correspondence. Yesterday, I went to get gas and all my accounts we locked. Credit cards too. They withdrew the 7500 and looks like fees too. I have done some research..and Cross River on behalf of Quickbooks Capital did not turn in my SBA forgiveness paper work and as of now I can't appeal because the SBA never seen the paperwork hence no decisions either way. I am trying to figure this out. It feels like fraud to me and I am employing the advice of the SBA, my bank and some lawyers. I am sure I am not the only small fry that Cross River/ Quickbooks Capital is taking advantage of and frauding.


Apr 6, 2022

I have had just a few nightmare…

I have had just a few nightmare situations with various companies over the years. This one though, Sunlight Financial together with Cross River Bank, deserves a special mention. I am so sorry that I used this institution for my solar loan. They are completely unresponsive to customer service requests. Look out - they'll ghost you too.


Mar 23, 2022

Scammed us using PPP

Scammed us using PPP. Lied to us. Said we wouldn't get forgiveness and then took more money than they paid out. Do not trust Cross River.


Mar 8, 2022

I am receiving notices that I was…

I am receiving notices that I was denied. I have never applied to this bank. Upon researching, I keep seeing comments about a PPP loan. I have never received anything from that program.


Feb 9, 2022

after read reviews i decide to retreat dam scammers

helli i just apply for this bank and i got aprove and now i see all reviews here saying many bad things what i should do . i notice all info is done already and many many scamers around wolrd and no gov doabout this issues . util someone kill some scammers seriously


Sep 29, 2021

Illegal Activity

They used people to profit off of PPP Loans. Everyone with an issue should report them to Small Business Administration (SBA) Office of the Inspector General (OIG). SBA clarification states that "As long as a borrower submits its loan forgiveness application within ten months of the completion of the Covered Period (as defined below), the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by SBA." You should not have to pay them in advance of remittance by SBA. It's straight up fraud.


Sep 25, 2021

I would give them zero stars if I…

I would give them zero stars if I could!! Horrible experience getting my money out. It’s already been 2 weeks and don’t even have half of it out. I’m about to lose my dream home because escrow was already supposed to close but I can’t get my down payment to them because of this bank! They don’t even care and only send automated messages. They say to initiate transfers from my external accounts and then deny them. I regret ever doing business with this bank. Don’t do it! Put your money elsewhere!!

Finscanner is an independent digital platform aiming to provide up-to-date access to worldwide financial services to improve customer experience and boost transactions.

On this page, you can see a detailed review of Cross River Payment systems with reviews from real users and our experts. Cross River provides the following services: Acquiring, API integration, Bank Account Openings, Card providers, Cash deposit, Cash withdrawal, Credit cards, Crypto-friendly Account, Debit cards, Loans, Wallets, Wire Transfer Acceptance, US allowed, ACH.

At the moment, Cross River rating on Finscanner is 3.8 and on Trustpilot is 1.5.