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Bank Accounts

Accounts for every
customer and flow

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.

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Bank Account
House fund

Savings - 2919

$62,703.32

Available balance

Available$62,703.32
Pending$2,958.92
Locked$0

Created January, 23 2022

{
  "id": "string",
  "description": "House fund",
  "owners": ["string"],
  "default_account_number_id": "string",
  "default_account_number": "string",
  "default_routing_number": "string",
  "available_balance": {
    "currency_code": "USD",
    "cents": "6270332"
  },  "pending_balance": {
    "currency_code": "string",
    "cents": "string"
  },  "locked_balance": {
    "currency_code": "string",
    "cents": "string"
  },  "holding_balance": {
    "currency_code": "string",
    "cents": "string"
  },  "created_at": "2021-11-29T16:32:11.806Z",
  "type": "UNKNOWN",
  "is_overdraftable": false,
  "overdraft_reserve_account_id": "string"
}

Built for scale

From one to billions of dollars in deposits, nothing is too small or large for us. We support FBO, sweep, clearing and custom account types — all FDIC insured.

Create a bank account

curl 'https://api.column.com/bank-accounts' \
     -XPOST \
     -u :<YOUR API KEY> \
     -d description="Travel Checking" \
     -d entity_id="<entity_id>"

All accounts are
insured by the FDIC

Dynamic account numbers

Gone are the days of having a single, static account number map to a single account. Create account numbers that point to a single bank account and create specific permissions and limits for each one.

Create a bank account

curl 'https://api.column.com/bank-accounts/<bank_account_id>/account-numbers' \
    -XPOST \
    -u :<YOUR API KEY> \
    -d description="Travel Checking Account Number"

Accounts designed
to fit every need

Move money with the flexibility of a checking or savings account, or open and manage funds on behalf of your customers. Column provides the tools to help you build new financial services.

Demand Deposit Accounts

Easy access to funds. Make deposits and withdrawals whenever the FED is open. Always comes with FDIC insurance up to $250,000.

Protected Accounts

FDIC insurance up to $150,000,000. Yep, that's 9 digits. Build on top of industry leading account protection and offer your customers unparalleled peace of mind.

FBO Accounts

Open accounts on behalf of others. Our "for the benefit of" accounts leverage virtual sub-accounts to offer even more flexibility in what you build.

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.
Henrique DubugrasCo-Founder and Co-CEO, Brex

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.

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Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

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Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

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Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

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Bank 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 more

Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

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Checks

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.

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Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

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International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

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Stablecoins

Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.

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Card Issuing

Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.

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Global Banking

Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.

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Multicurrency

Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.

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Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

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Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Learn more

Loan Purchase

Programmatically sell the loans you originate to Column.

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Start building today

Build your own products, on your terms, without layers in between.

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