Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial bank and the principal subsidiary of Customers Bancorp, Inc. (NYSE CUBI), a super-regional bank holding company with roughly $22 billion in assets headquartered in West Reading, Pennsylvania. Beyond traditional commercial and consumer banking it operates a national embedded-banking / Banking-as-a-Service platform, exposing a first-party, OAuth2-secured REST API surface (accounts, ACH, wires, instant payments, book transfers, consumer lending, plus partner, IT-operations and webhook management) to fintech and corporate partners through a public ReadMe developer portal at cubiapi.readme.io, complete with a hosted Model Context Protocol (MCP) server for AI agents. This is proprietary, partner-gated integration infrastructure rather than an FDX or CFPB Section 1033 consumer-permissioned data-sharing API; no FDX-conformant or Section 1033 data-access endpoint is publicly documented, and the surface is a sandbox-first partner API secured by OAuth2 client-credentials with HMAC-signed webhooks.
Customers Bank publishes 10 APIs on the APIs.io network, including Accounts API, ACH API, Consumer Lending API, and 7 more. Tagged areas include Financial-Services, Banking, United States, Banking as a Service, and Embedded Finance.
The Customers Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Customers Bank’s developer surface includes documentation, getting-started guide, API reference, authentication, changelog, sandbox, and 21 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Banking & Open Finance regime, so
Regulatory Posture carries 15 points of the composite.
If this regime is wrong for your business, say so on your
provider repo — the
applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
First-party embedded-banking Accounts API for listing accounts, retrieving account and subaccount detail, searching transactions, managing tags and account entitlements, and dow...
Consumer Lending API for creating and searching loan applications, retrieving program (policy) details, and originating, funding, completing and cancelling loans. OpenAPI 3.0.1,...
IT Operations / reference-data API providing bank lookups (ABA, BIC), correspondent (SSI) instructions across payment rails, and WebPubSub client access. OpenAPI 3.0.1, OAuth2 c...
Partner-administration API for managing partners, users, customers, messages, API credentials and client credentials (M2M application registration) on the embedded-banking platf...
OAuth2 token/security API. Issues bearer access tokens via the client-credentials grant for machine-to-machine access to all Customers Bank embedded-banking APIs. OpenAPI 3.0.1.
Transfers API covering book transfers, address-book payee management and approvals, account-link settings, instant-transfer approvals, and account entitlements. OpenAPI 3.0.1, O...
Webhooks API for subscribing to platform event types, delivering signed event payloads (HMAC signature validation), and managing webhook IP allowlists. OpenAPI 3.0.1, OAuth2 cli...
Wires API (v2) for originating and managing incoming and outgoing wire transfers, retrieving purpose and reference-data codes, and managing wire account entitlements. OpenAPI 3....
Customers Bank hosts a remote Model Context Protocol server (the ReadMe generic MCP) that lets AI editors (Cursor, Windsurf, Claude Desktop) browse the API/documentation and exe...
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