Column vs Newline by Fifth Third
Column
column.comNewline by Fifth Third
newline53.comSide by side
| Figure | Column | Newline by Fifth Third |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Banking-as-a-Service Platforms | 7.7 (#12) | 7.1 (#25) |
| Accounts | Column supports programmable checking, savings, trust, subledger, clearing, and sweep accounts, and says these accounts are FDIC-insured. | The platform supports virtual reference numbers, custodial accounts and other account solutions for different funds flows. |
| Cards | Column offers debit, credit, unsecured, charge, and secured card programs, with options to use its balance sheet or the customer’s own. | Newline offers issuing and acquiring sponsorship, plus virtual and physical cards for enterprise businesses. |
| Compliance | Column’s card-program guide says it performs BSA/AML transaction monitoring and OFAC/Sanctions screening with program partners. | The platform describes its compliance as built-in bank-grade oversight. |
| Founded | 2019 | 2023 |
| Payments | Its payment products use connections to the Federal Reserve, The Clearing House, SWIFT, and card networks to move money to bank accounts in the United States or globally. | Its payment rails include ACH, wire, book transfer, and RTP instant payments; FedNow is listed as coming soon. |
| Pricing | The pricing URL opened without readable page content, and the site directs prospective customers to contact sales. | The opened maker pages direct prospective customers to contact Newline and do not state a price. |
| Support | Column’s developer documentation lists [email protected] for feedback and [email protected] for technical support. | The developer documentation directs clients to its Sales and Partnership team or their Newline Specialist for implementation and API questions. |
In their own words
Column
Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.
Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.
Newline by Fifth Third
Newline by Fifth Third has no write-up on Specifiction yet; its figures are above.