Checks

Full customization
of the check rails

Issue and deposit checks 24 hours a day

Start building 
{
  "account_number_id": "acno_25nacNsLD8qLI1Vc6x67sxFU27c",
  "allow_overdraft": false,
  "amount": "150",
  "bank_account_id": "bacc_25nVQr05nZybpyEzw8j0wV6VRUh",
  "beneficiary_account_number": "256783259046169",
  "beneficiary_name": "Cash",
}

Own check issuing

Unlock full access to Federal Reserve check processing

Own your check issuance

Simply issue a check with a single API request and take control of the end to end check flows.

Certainty and security

Peace of mind over check issuance with positive pay verification and stop payment functionality.

Issue a check

curl 'https://api.column.com/transfers/checks/issue' \
     -XPOST \
     -u :<YOUR API KEY> \
     -d bank_account_id="<bank_account_id>" \
     -d positive_pay_amount="100000" \
     -d currency_code="USD"

Digital check deposits

Deposit checks without visiting a physical branch

OCR at your fingertips

One API with OCR flexibility. Leverage our capabilities or bring your own RDC

Check clearing made easy

Control the check clearing process via API and automated check re-clearing

Get a check transfer

curl 'https://api.column.com/transfers/checks/<check_transfer_id>' \
      -u :<YOUR API KEY>
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.

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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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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.

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Loan Purchase

Programmatically sell the loans you originate to Column.

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Start building today

Unmatched access to money movement, bank accounts, card networks, and bank capital. You're in the driver's seat to build your own products, on your terms, without layers in between.

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