Synswi

Beyond Traditional Banking

Commercial Bank Accounts

Leave traditional business banking behind. Get a commercial bank account with FedNow, RTP, and instant transfer capabilities that traditional banks can't match. Embed banking directly into your ERP systems and business applications with our comprehensive APIs for seamless financial operations.

Why Choose Modern Banking?

Everything your business needs for seamless financial operations:

  • Instant transfers with FedNow & RTP (no more 1-3 day waits)
  • API integration with ERP systems (eliminate manual processes)
  • Real-time data access (no more end-of-day updates)
  • FDIC-insured accounts (same protection as traditional banks)
  • 24/7 processing (no more banking hours limitations)
  • Automated reconciliation (save hours of manual work)

Traditional Banking vs Modern Banking

See why modern commercial accounts are superior to traditional business banking

Traditional Banks

1-3 business days for transfers
No API access - manual processes only
No instant payment capabilities
Limited real-time data access
Outdated technology stack
Paper-based documentation

Synswi Commercial Accounts

Instant transfers 24/7
Full API access & integration
FedNow & RTP instant payments
Real-time data via API
Modern technology stack
100% digital processes

Streamlined Business Banking

From account opening to automated financial operations

1

Open Account

Quick business account setup

2

Integrate

Connect via API to your systems

3

Process

Real-time payments & transfers

4

Automate

Streamlined financial operations

Instant Payment Methods

Next-generation payment capabilities that traditional banks can't match

FedNow

Federal Reserve's instant payment service for real-time transfers between financial institutions - available 24/7, 365 days a year.

  • 24/7 availability
  • Instant settlement
  • Secure messaging
  • Rich data support
  • No weekend delays

RTP Network

The Clearing House's real-time payment network for immediate fund transfers with enhanced security and detailed transaction information.

  • Real-time processing
  • Enhanced security
  • Detailed transaction info
  • Immediate confirmation
  • No cut-off times

Instant Transfers

Proprietary instant transfer capabilities for immediate fund movement that traditional banks simply cannot match.

  • Same-day settlement
  • API-driven
  • Automated processing
  • Error handling
  • No waiting periods

Key Features

Everything you need for modern business banking

Instant Transfers

Real-time payment processing with FedNow and RTP for immediate fund transfers 24/7 - no more waiting days for traditional ACH transfers.

API Integration

Seamlessly embed banking capabilities into your ERP systems and business applications - unlike traditional banks that require manual processes.

FDIC Insurance

All accounts are FDIC-insured up to $250,000 per depositor, per bank, per ownership category - same protection as traditional banks.

Real-Time Data

Access account balances, transaction history, and payment status in real-time via API - no more waiting for end-of-day updates.

Business Focused

Designed specifically for commercial use with high transaction limits and business features that traditional banks don't offer.

Modern Banking

Next-generation banking with FedNow, RTP, and instant payment capabilities that traditional banks are still struggling to implement.

System Integration

Connect your banking to your existing business systems

ERP Integration

Connect your accounting and ERP systems directly to your bank accounts for automated reconciliation - eliminate manual data entry.

Custom Applications

Build custom business applications that interact with your accounts via our comprehensive APIs - no more third-party integrations.

Automated Workflows

Create automated payment workflows and financial processes with real-time banking data - streamline your entire financial operations.

Simple API Integration

Connect your business systems to your bank accounts in minutes

Get Account Balance

GET /api/v1/accounts/{id}/balance
Real-time account balance

Initiate Transfer

POST /api/v1/transfers
FedNow/RTP instant transfer

Ready for Modern Business Banking?

Stop waiting days for transfers. Get a commercial bank account with instant transfer capabilities that traditional banks can't match. Integrate banking directly into your ERP systems and streamline your financial operations.