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Overview
Column is a nationally chartered bank that operates its own developer API, so the entity holding deposits and the entity serving the API are the same.
It offers bank accounts, a ledger, ACH and wire origination with direct Federal Reserve access, card issuing with BIN sponsorship, and loan origination. Because Column is the bank, onboarding runs through the bank's own risk and compliance process.
Common use cases
- Open bank accounts through an API from a chartered bank
- Originate ACH and wire transfers with direct Fed access
- Issue cards under a bank's BIN
- Hold customer deposits without a middleware layer
Key Features
- A chartered bank operating its own API, no middleware
- Direct Fed access for ACH and wires
- Bank account and ledger primitives
- Card issuing and BIN sponsorship
- Lending and loan origination support
- Same entity holds deposits and serves the API
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