Checks

API Documentation

Column provides customers the ability to issue checks through our APIs. Column’s APIs are directly integrated with the Federal Reserve, enabling you to access the full suite of the Federal Reserve’s check services.

Checks can be issued by Column 24/7 and deposited checks are processed periodically by the Federal Reserve on business days beginning at 6:00 pm PST on the preceding calendar day and ending at 6:30am PST, Monday through Friday, excluding designated holidays. For example, the FedForward Service (sending deposited checks to the Fed) opens for Monday at 6:00pm PST on the preceding Sunday.

Similarly, the FedReturn service (the return of issued checks back to the Federal Reserve) are processed periodically by the Federal Reserve on business days beginning at 6:00pm PST on the preceding calendar day and ending at 1:00pm PST, Monday through Friday, excluding designated holidays.

Check Issuing

Column generates unique check numbers to issue checks. We require that each check be generated with a specified payee and amount, also known as positive pay amount. We use positive pay verification to ensure the amount specified at check creation matches the amount actually cashed by the payee.

Column supports stop payment abilities allowing the check issuer to cancel a previously provisioned check that has not yet been deposited.

We do not currently provide check printing and mailing services. For the time being, we require customers work directly with a third party to print and send checks. When you create a check through our API, the response will have the data you need to easily share with a check printing service. Column works with all major check printing services and is happy to discuss potential services for your business use case.

Check Deposits

Check deposits are coming soon. Hang tight for additional information.

Similar to check issuing, Column requires customers use a third-party processor for check image capture. Column will work with all major remote deposit capture service providers. You can send the check image and metadata from your third-party processor to Column's check deposit API to deposit a check at Column.

Fraud Prevention

Column will automatically return checks for a number of reasons including check number not found, positive-pay mismatch, and account number not found. As an additional method of fraud prevention, Column does not support blank check issuance through our APIs.

If we’re missing some information that you’d like to see, feel free to send us an email at support@column.com.