What it does
Column in four products.
01
Bank accounts
Checking, savings, trust, clearing, sweep and FBO accounts opened by API, with as many account numbers as a client needs. All FDIC-insured.
02
Payments
ACH, Fedwire, real-time payments on RTP and FedNow, checks, book transfers and international wires, through Column's own connections to the Federal Reserve, The Clearing House and SWIFT.
03
Multicurrency and global banking
GBP accounts on Faster Payments and EUR IBANs on SEPA Instant in the end customer's name, FX around the clock, and US accounts for verified customers outside the US.
04
Cards and lending
Debit, credit and prepaid card programmes, loan origination, loan purchase and debt financing for lenders.
Who uses it
The companies that build on Column.
Types of client
- Fintechs
- US banks
- International banks
- Lenders
- Real-estate platforms
- Marketplaces
Accounts on Finzil that use Column
MercuryAccounts held at Column N.A. and Choice Financial Group
BrexChecking provided by Column N.A.
SlashAccounts held at Column N.A.
AspireUS deposit accounts provided by Column N.A.
RampNamed by Column as a client: cards in some markets abroad
Other clients Column names
- Best Egg
Coverage
Where the money can go.
- Base currency
- US dollar
- Local accounts abroad
- GBP (sort code and account number), EUR (IBAN), CAD and others
- Multicurrency reach
- More than 180 countries and 130 currencies
- Payment rails
- ACH, Fedwire, RTP, FedNow, checks, SWIFT, Faster Payments, SEPA Instant, USDC
- Non-US customers
- US accounts for verified individuals and businesses outside the US
Licences
Every Column licence.
| Country | Licence | Company and number |
|---|---|---|
 United States | National bank, member FDICOffice of the Comptroller of the Currency · FDIC certificate 58224 | Column National AssociationOCC charter 24626 |
For your business
Your US account may be a Column account.
Mercury, Brex, Slash and Aspire's US accounts are held at Column N.A. Three things to check:
One FDIC limit per bank
FDIC insurance covers up to $250,000 per depositor at Column, counted once across every app that holds your money there. Some apps spread larger balances across partner banks.
The app is not the bank
Mercury, Brex and Slash are financial technology companies. The deposit is Column's, so read the app's terms for who holds what.
Keep a second account
Two apps on the same partner can fail together. A second account issued by a different institution keeps salaries and suppliers paid.
FAQ
Your questions, answered.
Can my company open an account with Column?
Not as an ordinary business account. Column sells to companies building financial products, which open accounts for their own customers through its API. A business uses Column through an account built on it, such as Mercury, Brex or Slash.
Is Column a bank?
Yes. Column National Association is a US national bank supervised by the Office of the Comptroller of the Currency (charter 24626) and a member of the FDIC (certificate 58224).
Are deposits at Column FDIC-insured?
Yes, up to $250,000 per depositor, per insured bank. Money you hold at Column through different apps counts towards the same limit.
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