Column

A nationally chartered US bank that sells accounts, payments, cards and loans to developers through its own APIs.

Column N.A. is a national bank that offers banking services directly through its own APIs rather than through a separate platform, and says it launched in 2022. Software and financial companies use it to open FDIC-insured FBO, sweep, clearing and custom accounts, send ACH, wires, FedNow and RTP payments, run card programs and originate loans. Its site names Brex, Mercury, Ramp and Best Egg as clients. Column does not publish pricing.

Website
column.com
Infrastructure layers
Banking-as-a-service, bank with own APIs
Products (as published)
Bank Accounts (FBO, sweep, clearing and custom account types)
Payment Origination (ACH, domestic wires, book transfers)
International Wires
Realtime Payments (FedNow and RTP, request for payment)
Checks (issuing, deposits, lockboxes)
Card Programs (all major networks and issuer processors)
Loans (origination, disbursements, payments)
Client types
Technology companies and financial institutions (named clients include Brex, Mercury, Ramp and Best Egg)
Regions served
United States (international wires to other countries)
Licences and registrations (official registers)
Licence or registrationRegisterNumber
Column National Association, national bankFDIC BankFind certificate 58224regulator OCC
API documentation
docs.column.com
Date checked
Profile type
Standard

Questions

Is Column a bank or a BaaS platform?
It is a bank: the FDIC register lists Column National Association as an active institution in Salt Lake City, certificate 58224, with the OCC as its regulator. Column sells those banking services through its own APIs.
Does Column support FedNow and RTP?
Yes, for sending funds, receiving funds and requests for payment on both networks. Each network carries a per-transaction limit of $10,000,000.
Does Column publish pricing?
No. No fees appear on its website or in its documentation.

See also

Sources

Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.

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