Column

Column is a nationally chartered bank built for developers that offers direct API access to core banking, payments (ACH, wire, book transfers), account issuing, and lending, without the middleware layers typical of banking-as-a-service. By being the bank and the technology provider, it removes intermediaries between fintechs and the financial system, giving companies more control, transparency, and reliability when building financial products directly on a bank's rails.

Column is used by fintechs and software companies that want to build financial products directly on a chartered bank rather than through a BaaS middleware plus separate partner bank. Its direct model reduces layers and points of failure, its developer-focused APIs cover core banking and payments, and its lending capabilities support credit products. For companies wanting to build on the bank itself, Column is a distinctive infrastructure platform.