What digital payments tools do top credit unions use for SMBs?

RTP, Zelle Business, same-day ACH, and integrations like nCino or Jack Henry suites for smoothly invoicing and payouts.

Why are SMBs preparing to leave credit unions?

Clunky legacy systems, slow settlements, and lack of embedded finance — though digital upgrades are stemming the tide.

Will digital payments secure SMB loyalty forever?

Not without API openness and scalability; fintechs remain a threat if CUs lag.

90% of Top Credit Unions Cling to SMB Loyalty Via Digital Payments—But for How Long?

Ninety percent of the nation's top credit unions report winning small business loyalty through digital payments. But SMBs aren't sold yet—they're just biding time.

Fintech Pulse Apr 03, 2026 4 min read 65 views

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⚡ Key Takeaways

90% of top credit unions attribute SMB loyalty to digital payments tools like RTP and Zelle Business. 𝕏
SMBs are restless due to slow legacy payments but sticking around—for now—thanks to CU upgrades. 𝕏
Long-term win requires open APIs and scalability, or fintechs will poach. 𝕏