BaaS Banks are reaching the underserved through partnerships with fintechs and brands in a way that traditional banks have struggled to do. Community is no longer defiened by geography, giving us the opportunity to become more diverse and inclusive.

The BHB BaaS Association, a premiere governance association with a singular purpose: Promoting, Creating, and Supporting BaaS  (Banking-as-a-Service).


BaaS banks are mostly community banks, a few are larger, but one thing they have in common is that they are the top earning banks in the United States.  These elite bankers are the top 1% in both profitability and innovation, representing the greatest hope in a generation for the future of community banking.

Tanner Mayo
The BHB BaaS Association

If we combined our founders into a single bank, we would be the #1 bank in the U.S.

Tanner Mayo
The BHB BaaS Association

Following years of history together, launching the BHB BaaS Association was a natural next step.  We were approached by numerous banks at our Roundup conference last October, asking us to explore creating an organization with very specific purposes that are not being met by anyone else.  Frankly, we are proud to have gotten this done for them.  It’s humbling to play a part in creating something that truly demonstrates the power of our ethos…

Tanner Mayo
The BHB BaaS Association




Our goal is to teach and guide through education, collaboration, and find new ways for community banks to make money. BaaS is a highly specialized niche and one that is seeing a tremendous increase in bank participants. Fueled by rapid expansion in fintech funding and a constant supply of new startups, there simply aren’t enough BaaS Sponsor banks to meet the growing demand from hundreds of FinTech applicants. The BaaS Association aims to serve the unique needs of BaaS Sponsor banks.

To conduct legislative and regulatory advocacy efforts to promote an environment for the responsible delivery of Banking as a Service (BaaS) by Federally insured depository institutions.

To promote best practices and standards for the delivery of BaaS to non-banks.  

Stay ahead of compliance in close contact with regulators. Standardize compliance best practices, side by side with regulators.

To build a community of like-minded bankers, and other industry participants, to share experiences, insights, successes, and failures realized in BaaS endeavors.

To connect Federally insured financial institutions to the partners who will help them facilitate a successful BaaS program.



Ready to join?

We are banking + fintech.

Together we are bigger and stronger than the biggest bank. Let’s show Jamie Dimon what to be scared s**tless of.





Please fill out the registration below to get started on your membership. Once completed one of our team members will be in touch.

Are you a Fintech or Bank looking to become a BaaS Bank?


Need Help?

Is there exclusivity amongst affiliate members?

No, part of The BaaS Association’s mission is to be transparent and helpful to all. For this reason, we do not restrict affiliate members based on exclusivity.

Will members get updates from board meetings?

Yes, all members will be updated post board meetings with the latest in The BaaS Assocation and progress we’ve been making.

Can the BaaS Banks help connect fintechs to VC firms?

Absolutely, this is part of networking amongst a hyper-focused BaaS Association and part of your member benefits. Have a conversation!

Can I see a list of the BaaS Banks?

This type of information is proprietary to FedFis. It is one of their many datasets available under a data license/subscription. If you would like to access the dataset, contact FedFis here.

How will you go about finding partners for fintechs and banks?

The power behind Bankers Helping Bankers and The BaaS Association is the data that fuels it, provided by your trusted partners at FedFis. We are able to identify your most compatible potential partners and facilitate the connection between the two.

Can you ensure me I’m with a legit & trusted organization?

Yes, the Articles and Bylaws are drawn by the largest state trade group, Independent Bankers Association of Texas (IBAT). They are approved by the independent legal and accounting council board at IBAT.


Be In The Know

Latest news on The BaaS Association + insights on the BaaS Banking industry

MOCA Financial Joins BHB BaaS Association

AUSTIN, TEXAS, Sept. 22, 2022

MOCA Financial, the leader in advanced digital account platforms featuring virtual cards and payment processing solutions, announced today that it has joined the newly launched Banking-as-a-Service (BaaS) Association.

President of the BHB BaaS Association Responds to Comments made by Acting Comptroller

AUSTIN, TEXAS Sept. 9, 2022

The BHB Banking as a Service Association President Dave Mayo released the following statement in response to Acting Comptroller Michael Hsu’s comments and concern regarding banking-as-a-service (BaaS) arrangements between banks and fintech companies.

BHB BaaS Association names Robert Keil as Chairman

AUSTIN, TEXAS Aug. 31, 2022

Sutton Bank’s Robert Keil has been voted as the first Chairman of the Board of Directors for The BHB BaaS Association.

Robert is a founding member of the association and leads Banking-As-A-Service for Sutton Bank. Currently he serves as Chief Payments Officer at Sutton Bank with pervious time as VP for Fintech and Emerging Payments for a global fintech and payments company. His experience and knowledge in BaaS Banking helps lead world-class strategies for creating and setting standards for banks looking to become BaaS Banks.