Bank Accounts
Flexible accounts for every use case
Open FDIC-eligible accounts instantly via API, title them however your product needs, and issue unlimited account numbers.
1await summitspan.accounts.create({
2 name: "Matterhorn Series XII — Operating",
3 entity_id: "entity_n8y8tnk2p9339ti393yi",
4 program_id: "program_i2v2os4mwza1oetokh9i",
5 informational_entity_id: "entity_ooi32cnpiwxhw1qfkqov",
6});Create accounts in milliseconds with one API call.
For the benefit of, custodial, or direct — you choose.
Give every customer or invoice its own number.
Current and available balances, always up to date.
Earn interest on balances held in your accounts.
Monthly statements generated automatically.
Track funds by customer without opening separate accounts.
ACH, wires, checks, RTP, FedNow, and cards on every account.
Account structures
Model your business, not ours
Fund administrators, marketplaces, and payroll platforms all need different account structures. We give you the primitives to build yours.
Open an account per entity, per customer, or per purpose — and move money between them instantly.
- Unlimited accounts
- Flexible titling
- Instant internal transfers
Reconciliation
An account number for everything
Create a unique account number for each customer, invoice, or counterparty. Inbound payments tell you exactly who sent them and what they’re for.
- Unlimited account numbers
- Automatic matching
- Disable numbers any time
Accounts for developers
1await summitspan.accounts.create({
2 name: "Operating",
3 entity_id: "entity_n8y8tnk2p9339ti393yi",
4 program_id: "program_i2v2os4mwza1oetokh9i",
5});Open an account instantly.
- Available immediately.
- Every payment rail enabled.
- Statements generated monthly.
1await summitspan.accountNumbers.create({
2 account_id: "account_in71c4amph0vgo2qllky",
3 name: "Invoice 1042",
4});Issue a new account number.
- Unlimited numbers per account.
- Enable or disable any time.
- Inbound payments reference it.
1await summitspan.accountTransfers.create({
2 account_id: "account_in71c4amph0vgo2qllky",
3 destination_account_id: "account_uf16sut2ct5bevmq3eh",
4 amount: 100000,
5 description: "Fund payroll",
6});Move funds between your accounts.
- Instant and free.
- Available 24/7.
- Fully auditable.
Banking for builders
Everything you need and nothing you don’t
Direct connections to the networks for money movement. Accounts that open instantly. Unopinionated building blocks that don’t force you into legacy patterns.
Originate ACH credits and debits, validate account numbers with prenotes, and store frequently used details.
Learn more RadialMail branded checks anywhere in the US with one API call, or deposit checks via API or the dashboard.
Learn more GradientThe Federal Reserve’s newest rail. Move money 24/7/365 with any participating bank.
Learn more ArraySend money to accounts at most major banks in seconds, not days.
Learn more Push-to-CardSend funds to eligible Visa and Mastercard debit cards in seconds, any time.
Learn more WiresThe original instant money transfer. Send money anywhere, any time Fedwire is open.
Learn more Bank AccountsFlexible account structures with unlimited account numbers.
Learn more CardsIssue custom cards, approve authorizations in real time, and set your own limits.
Learn more