In a strategic move aimed at enhancing digital credit card offerings, U.S. Bank and Fiserv have announced a partnership to integrate Elan Financial Services, U.S. Bank’s agent credit card program, into Fiserv’s Credit Choice solution.
The collaboration is designed to strengthen the Credit Choice platform, a white-labeled credit card offering tailored for consumers and small businesses, by embedding Elan’s robust credit card capabilities and digital infrastructure. The updated solution is scheduled to launch in phases starting late 2025, with full portfolio conversion expected by year-end.
The integrated platform will offer a unified digital card management experience, consolidating both credit and debit card account information. This seamless access will be available through financial institutions’ existing digital banking interfaces, enhancing customer convenience and engagement.
For financial institutions, the partnership brings improved operational efficiency, simplifying the onboarding and servicing of cardholders. This streamlined process is expected to reduce friction, accelerate time-to-market new card programs, and support broader customer acquisition initiatives.
As part of the integration, banks and credit unions partnering with Fiserv, either through existing relationships or new agreements, will gain access to Elan’s established suite of agent-issuing services, known for reliability and scalability. Fiserv will provide ongoing support, training, and program engagement throughout the transition.
Additionally, enhancements to Fiserv’s digital card solutions, including business expense management tools and advanced consumer card controls, are planned for rollout in the first half of 2026.
This collaboration represents a significant step forward for community banks and credit unions seeking to expand their credit card portfolios with minimal investment in infrastructure. By combining Elan’s program expertise with Fiserv’s digital banking and payments technology, the two organizations aim to deliver a future-ready platform that supports financial institutions in deepening customer relationships and staying competitive in an evolving payments landscape.
The integrated technology build-out begins this summer, marking the start of a comprehensive digital evolution in card issuing.
