Agent Bank

We build branded credit card programs from scratch that help credit unions and community banks deliver next-generation credit cards to their customers. We work with our clients to design a compelling product that excites customers, increases engagement, and grows their bottom line.

Where product design, strategy, and marketing meet

Launch innovative credit card programs that customers love without taking on additional overhead and risk

Credit unions and community banks want to offer their customers cutting-edge credit card products. However, cost, technology, and risk hurdles make this difficult, and established card partners offer limited functionality. 

We build turn-key credit card programs that help our clients expand their product suite, engage more customers, and grow their bottom line. We manage the day-to-day operations of the programs and assume the full credit risk, but coordinate with clients to design and market the product. We share recurring income, data, and customer insight with the client.

We work closely with clients to design a program that will excite their customers and stand out in the marketplace.

We leverage technology to coordinate a seamless, branded digital experience for customers.

We keep our clients’ customers engaged and create opportunities for the client to expand its share of wallet.

We generate new data, insights and leads from customers that we share with the client.

A thought partner and growth engine

We augment clients’ suite of products and craft marketing strategies to reach new customers


We launch branded credit products with compelling pricing, features and rewards that stand out with customers and stay top of wallet.

Growth &

We deploy innovative growth and engagement strategies in new and existing channels. We release products that help you say “Yes” to current customers and new demographics.


Utilizing our machine learning models, we capture, analyze and share data insights from your program so you can better understand your customers and their needs.


We increase your bottom line, uncover cross-selling opportunities and generate attractive, diversified lending opportunities without increasing your overhead.

Program features that clients love

We build programs that excite customers and keep them engaged, helping clients stay ahead of competition

Customized Rewards

A mix of traditional rewards and unique perks that get cardholders excited.


Products become mobile-first and automated to streamline the customer experience.

Attractive Rates

We deliver attractive rates to your customers regardless of their credit score.


We offer instant provisioning into digital wallets to increase card utilization.


We don’t believe in hidden fees. We keep things simple and affordable for your customers.

Excellent Support

Customers can reach an agent quickly, 24/7/365.

Empowering credit unions
and fintechs with
data-driven products

Our financial products help clients unlock growth, generate new loans and income,
optimize balance sheets and increase member engagement.

RAI-PARTNERS CUSO AI & ML data driven technology to grow credit card & loan portfolios. Drive growth in loans, new customers, income for Credit Unions & Fintech

Explore other services

Turn Down

We build credit card programs that run in parallel to clients’ existing offerings and help them accept applicants who would otherwise be declined.

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We help clients extend asset-backed loans that generate an attractive risk-adjusted return and perform well in all rate and economic environments.

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Portfolio Acquisitions

We acquire credit card portfolios from clients and work with them to optimize and grow their portfolio, enhancing the product, technology, customer engagement, and income.

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