Bank Processing

iStream provides full guidance in obtaining and implementing a secondary routing number (RTN), including documentation, submission, approval, and configuration.

A secondary RTN allows:

• Cleaner separation of payment flows

• Routing returns directly to iStream for management

• iStream-originated files to flow independently

• Clear audit trails and simpler reconciliation

This separation helps institutions maintain clarity across regulatory, operational, and reporting workflows while preserving existing RTN activity.

Eliminate manual movement of sensitive payment data. iStream automates file delivery using secure transfer protocols and predictable scheduling.

We integrate with all major bank cores and treasury systems through APIs or custom file layouts, ensuring a smooth fit into your existing operations. No system replacement required. We adapt to your data structures and routing rules.

iStream handles ACH originations and returns, check images and item proofing with precision and consistent formatting.

Our infrastructure scales to support institutions with complex or growing transaction volumes, handling daily disbursements, treasury workflows, and wholesale payment activity.

iStream complies with FDIC security standards and is audited regularly.

iStream maintains a SOC 2 certification and leverages a robust electronic boarding system that works to ensure that all the relevant information is collected when a customer is boarded.

After the client begins processing, additional risk and monitoring systems are utilized to ensure processing is being executed in the manner and velocity expected.

When anomalies are discovered, proactive notifications are generated so that near real-time action can be taken, avoiding any unintended outcomes.

No two institutions process files the same way. iStream builds custom file layouts, mapping rules, and data feeds to ensure compatibility across your core, treasury system, and back-office workflows.

This flexibility has powered successful integrations for more than 20+ years.

Unsure how iStream fits into your environment? Our Professional Services team brings decades of experience integrating with core processors, treasury systems, and payment infrastructures.

We provide:

• Project planning and coordination

• Integration guidance

• Ongoing support and optimization

Our longstanding relationships across the processing and banking ecosystem help keep your project moving efficiently and aligned with industry best practices.