Domestic Wire

API Documentation

Column exposes the ability to transmit and receive wires through the Federal Reserve's Fedwire system. Fedwire enables you to send real-time funds from any bank account.

You'll receive a webhook and an event will be generated anytime a wire is sent to your bank account.

Wire transactions can be sent to Column 24/7, however they are only processed by the Federal Reserve on business days beginning at 9:00 p.m. eastern time (ET) on the preceding calendar day and ending at 7:00 p.m. ET, Monday through Friday, excluding designated holidays. For example, the Fedwire Funds Service opens for Monday at 9:00 p.m. on the preceding Sunday. The deadline for initiating transfers for the benefit of a third party (such as a bank's customer) is 6:45 p.m ET each business day.

Wires to Pull Funds

Fedwire is credit (push) only. However, there is a way to respond to a Fedwire 1031 drawdown request (pull) if you and the counterparty have a standing money movement relationship (i.e. payroll), these are known as drawdown wires. We do support wire drawdowns, but the functionality is not available with self-serve accounts at Column - email us at if you're interested!

Reversing Wire Transfers

We provide the ability to easily return incoming wires under reasonable banking-related circumstances, such as when the beneficiary information in the wire does not match the recipient account or when the funds are sent to a non-existent account.

Raw Data

Wire messages have an immense amount of context and data available that most banks don't have the ability to see. Since we have a direct connection to the Federal Reserve, we receive full raw data for all domestic and international wires. We have the ability to include them in the API payloads.

If there is information we are not surfacing that you'd like to see, send us an email at

Valid Characters Permitted

The Fedwire system defines a set of valid characters permitted in Fedwire messages. Messages with invalid characters will be rejected by the Fedwire system. The following regular expression can be used to detect invalid characters: [^ \w!"#$%&'()+,\-.\\/:;<>=?@~\x60]+ Valid characters includes:

  • Alphanumeric: A-Z, a-z, 0-9 and spaces
  • . (period)
  • ? (question mark)
  • ! (exclamation point)
  • , (comma)
  • ; (semi-colon)
  • : (colon)
  • _ (underscore)
  • @ (at sign)
  • & (ampersand)
  • / (forward slash)
  • \ (back slash)
  • ' (apostrophe)
  • " (quote)
  • ` (grave accent)
  • ~ (tilde)
  • ( (left parenthesis)
  • ) (right parenthesis)
  • < (less than)
  • > (greater than)
  • $ (dollar sign)
  • # (pound/number)
  • % (percent)
  • + (plus)
  • - (minus/hyphen)
  • = (equal)