Column - The platform bank built for scale

curl 'https://api.column.com/tra

Column NASender

Chase AccountReceiver

1{
2  "id": "acht_2HKbYE2th2sFioBxrRFOZL3IHR4",
3  "iat": null,
4  "type": "CREDIT",
5  "amount": 392370,
6  "status": "SUBMITTED",
7  "counterparty_id": "cpty_1vWeqakwT2N7NYRtZkUPSBt4scn",
8  "company_name": "COLUMN NA",
9  "is_on_us": false,
10  "same_day": false,
11  "company_id": "9959349647",
12  "created_at": "2022-11-09T23:32:47Z",
13  "settled_at": null,
14  "updated_at": "2022-11-09T23:32:48Z",
15  "description": "",
16  "is_incoming": false,
17  "receiver_id": "",
18  "returned_at": null,
19  "cancelled_at": null,
20  "completed_at": null,
21  "effective_on": "2022-11-10T08:00:00Z",
22  "initiated_at": "2022-11-09T23:32:47Z",
23  "nsf_deadline": null,
24  "submitted_at": "2022-11-09T23:32:48Z",
25  "trace_number": "121145300000005",
26  "currency_code": "USD",
27  "receiver_name": "CHASE ACCOUNT",
28  "return_details": [],
29  "acknowledged_at": null,
30  "allow_overdraft": false,
31  "bank_account_id": "bacc_2HKbY4W10hcBQBx5r42xMDEhv2K",
32  "counterparty_id": "cpty_2HKbYBePtS8z3zK32QvwKlIoIeK",
33  "idempotency_key": "",
34  "entry_class_code": "PPD",
35  "manual_review_at": null,
36  "account_number_id": "acno_2HKbY3eq0gPP1WaQLZShDk87JC4",
37  "funds_availability": "default",
38  "odfi_routing_number": "121145307",
39  "return_contested_at": null,
40  "payment_related_info": "payment addenda for COR testing",
41  "return_dishonored_at": null,
42  "return_dishonored_funds_unlocked_at": null,
43  "notification_of_changes": null,
44  "company_entry_description": "PAYMENT",
45  "reversal_pair_transfer_id": "",
46  "company_discretionary_data": "",
47  "ultimate_beneficiary_counterparty_id": "",
48  "ultimate_originator_counterparty_id": ""
49}

Close to the metal

We built our core, ledger, and tech stack from scratch. We run our own dedicated hardware that connects to the Federal Reserve, TCH, and Swift to give you granular control and freedom from vendors and middleware.

Scale for every size

We move at your speed and speak your language. Column is the only bank with the technology, experience, and balance sheet to grow with you through any stage: from seed-stage fintech to global financial institution.

Federal Reserve

Payments products

Leverage Column's direct connections to the Federal Reserve, The Clearing House, Swift, and card networks. Pull and push money to any bank account in the United States or globally.

curl 'https://api.column.com/transfers/ach' \
  -XPOST \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d type=DEBIT \
  -d description='Invoice #47234' \
  -d amount=850000 \
  -d currency_code=USD \
  -d counterparty_id=cpty_34ZiBo4qkLiN8VKyM908aRwyA4b \
  -d bank_account_id=bacc_GClcSnn7DY5FXyvH6W34ZiBnuUc

Bank Accounts

Instantly spin up flexible checking, savings, trust, subledger, clearing, and sweep accounts. Use one or millions of account numbers to point to a single account. Programmatically create disposable accounts. All FDIC-insured.

curl 'https://api.column.com/bank-accounts' \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d description="Travel Checking" \
  -d entity_id=enti_1vWeqakwT2N7NYRtZkUPSBt4scn

Card programs

Manage and scale your own card program to optimize interchange and credit revenue. Launch a debit, credit, unsecured, charge, or secured card program. Bring your own balance sheet or utilize ours.

curl 'https://api.column.com/transfers/book' \
  -d amount=10000 \
  -d currency_code="USD" \
  -d sender_bank_account_id="bacc_uUcGCl3cSnn7DY4ZiBn5FXyvH6W" \
  -d receiver_bank_account_id="bacc_lcSnuUnn7DY34ZiB5FXyvHcGC6W" \
  -d description='NeoBankCo Visa Debit Settlement Account'

Lending

Expand your program nationally with credit origination, warehouse, and forward flow facilities. Grow originations faster with dedicated Column funding from day one.

curl 'https://api.column.com/loans' \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d description='Card receivables warehouse' \
  -d currency=USD \
  -d entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
  -d is_revolving=true \
  -d maturity_date=2025-10-10 \
  -d max_principal_balance=75000000

DescriptionVisa Settlement

Routing Number121145307

Account Number••••• 9957