Column N.A. Member FDIC
The developer
infrastructure bank
The only nationally chartered bank built to enable developers and builders to create new financial products

Our advantage
Financial services
as code
Before Column,
new financial companies had to work through expensive middleware providers that wrapped legacy sponsor banks. These relied upon outdated and limiting core systems.
Column
allows you to get to the bare metal. We are a bank made for developers and we have built our own core, ledger, and data model for the purpose of powering your unique use case, at any scale.
Company
Middleware Providers
Core Systems
Sponsor Bank
Column
Federal Reserve
We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers' growth.
In action
The power of a nationally chartered bank
in the lightest format possible

Move and hold money
Leverage Column's direct connection to the Federal Reserve. Pull and push money to any bank account and create flexible FDIC insured accounts.

Build a modern card program
Manage your own card program and optimize interchange revenue. Launch a debit or credit program with any issuer processor.
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Lend money
Grow originations faster with bank funding from day one. Become an originating partner and expand your program nationally.


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Why Column
Created by engineers and founders,
we built Column from the ground up to solve our own problem
Close to the metal
We connect directly to the Federal Reserve with dedicated hardware, built our own ledger and core, and don't use any middleware. We then expose this directly to you.
Efficient compliance
We are a team of experienced compliance experts focused on helping you ship product. We expose tools to give you transparency and visibility into our compliance program and are focused on moving fast and efficiently, no matter the complexity of your program.
Dedicated partners
We are the only bank that is dedicated to providing services to developers and builders, and nothing else. We do not operate competing programs nor are we distracted by other business lines.
More products
Infrastructure products
built for
developers in the lightest format possible
ACH
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.
Learn moreWire
Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.
Learn moreBook Transfers
When you own both accounts at Column, transfers are real-time every second of the day.
Learn moreLedger
Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.
Learn moreBank Accounts
Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.
Learn moreCard Programs
Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.
Learn moreChecks
Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.
Learn more
Credit products
for companies to scale lending programs faster and cheaper
Loan Origination
Build a modern national lending program in partnership with Column.
Learn moreDebt Financing
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.
Learn moreLoan Purchase
Programmatically sell the loans you originate to Column.
Learn more
Partners
Your partner at any scale
As the backbone for the largest and most sophisticated fintechs and enterprises, we are built to scale with anyone who needs speed, control, and to be as close to the Federal Reserve as possible.
Not our first rodeo
We previously founded and built companies like Plaid, Square and Affirm where we had to rely on archaic banks and middleware providers. We built the bank we wish we had.
Our promise
Column is funded and owned by our founders and employees. A clear ownership structure and a long term view enables us to be solely focused on building technology the right way and being an incredible partner.
Start building today
Unmatched access to money movement, bank accounts, card networks, and bank capital. By working with us, you're in the driver's seat to build your own products, on your terms, without layers in between.