https://column.com * Products * Developers * Pricing * Blog * Company Log inSign up Menu 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 Start building Read documentation Have any questions? Contact Sales curl https://api.column.com/transfers/wire \ -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d amount=40000 \ -d description="Visa daily settlement" Empowering teams like 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 These relied upon outdated and limiting core systems.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. Henrique Dubugras -- Co-Founder and Co-CEO, Brex In action The power of a nationally chartered bank in the lightest format possible Screenshot of the Column Dashboard 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. ACH Wire Bank Accounts Book Transfers Checks curl https://api.column.com/transfers/ach \ -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d amount=241 \ -d type=DEBIT \ -d currency_code=USD \ -d description="Recurring bill" Image of a credit card Build a modern card program Manage your own card program and optimize interchange revenue. Launch a debit or credit program with any issuer processor. Card Programs curl https://api.column.com/bank-accounts \ -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d entity_id=ent_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d description="NeoBankCo Visa Debit Settlement Account" Q2 Q3 Q4 Lend money Grow originations faster with bank funding from day one. Become an originating partner and expand your program nationally. Loan Origination Debt Financing Loan Purchase curl https://api.column.com/transfers/book \ -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \ -d amount=2450000 \ -d description="Warehouse drawdown" Screenshot of the Column Dashboard Image of a credit card Q2 Q3 Q4 Why Column Created by engineers and founders, we built Column from the ground up to solve our own problem About our company 1. 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. 2. 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. 3. 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 more * 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. Learn more * Book Transfers When you own both accounts at Column, transfers are real-time every second of the day. Learn more * Ledger Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API. Learn more * 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. Learn more * 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. 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 more * 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. 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. About our company 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 you own products, on your terms, without layers in between. Start building Contact Sales * Documentation Explore and familiarize yourself with our APIs * Getting started with the API Quickly get up to speed Products * ACH * Wire * Book Transfers * Ledger * Bank Accounts * Card Programs * Loan Origination * Debt Financing * Loan Purchase Developers * Documentation * Status * Changelog Company * Company * Careers * Press * Blog * Security * Contact 1. Nulla vitae elit libero, a pharetra augue. Morbi leo risus, porta ac consectetur ac, vestibulum at eros. Praesent commodo cursus magna, vel scelerisque nisl consectetur et. 2. Morbi leo risus, porta ac consectetur ac, vestibulum at eros. Aenean lacinia bibendum nulla sed consectetur. Column logo Column N.A. Member FDIC Privacy Notice Privacy Policy