Engineer at Column here! The difference between us and ALL banking as a service companies (Stripe Treasury, Unit, etc) is that we are the actual underlying bank in the transaction. BaaS companies usually wrap one or several banks (like us) to provide their API's.
But what is the practical difference to the API user? This seems like caring that about how the API is implemented, which is usually not a concern for a SaaS consumer.
Yup. You can sign up today for sandbox access, and then contact us once you are ready to go live and move real money.
Truth is, we probably aren't great as a personal checking account, and thats not really the intended use case. But you are welcome to try us out and see what you can build!
