Synswi

Embedded Banking

Checking Accounts

Create checking accounts programmatically via API. Perfect for business operations, customer accounts, and account segregation. Each checking account gets its own account number and can be managed independently while maintaining FDIC insurance. Transfer funds instantly using FedNow and RTP.

Why Checking Accounts?

Everything you need for account management:

  • Instant account creation via API in seconds
  • Unique account numbers for easy payment routing
  • Real-time balances via API for each account
  • FDIC-insured up to $250,000 per account
  • Instant transfers via FedNow & RTP
  • Full API control for programmatic management

Common Use Cases

See how checking accounts solve real business problems

Business Operations

Create checking accounts for your business operations - perfect for daily transactions, payroll, and vendor payments.

  • Daily transactions
  • Payroll processing
  • Vendor payments
  • Business expenses

Customer Accounts

Create checking accounts for your customers programmatically - perfect for marketplaces, platforms, and financial services.

  • Customer account creation
  • Automated onboarding
  • Payment processing
  • Account management

Account Segregation

Create separate checking accounts for different departments, projects, or purposes to track spending and manage budgets.

  • Budget isolation
  • Spend tracking
  • Department reporting
  • Project accounting

Automated Reconciliation

Use checking account numbers to automatically match incoming payments to invoices or orders.

  • Zero manual matching
  • Real-time reconciliation
  • Reduced errors
  • Automated accounting

Key Features

Everything you need for checking account management

Checking Accounts

Create checking accounts programmatically via API - perfect for daily business operations, payments, and transfers.

API-Driven Creation

Instant account creation through simple API calls - no manual processes or waiting periods. Create accounts in seconds, not days.

FDIC Insured

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

Real-Time Balance Tracking

Monitor balances and transactions for each checking account in real-time via API - perfect for automated reconciliation and reporting.

Instant Transfers

Transfer funds instantly using FedNow and RTP - no waiting periods. Perfect for real-time payment processing and settlements.

Automated Reconciliation

Match incoming payments to customers automatically using account numbers - eliminate manual payment matching and reconciliation.

Account Capabilities

Advanced features for modern checking accounts

FedNow & RTP

Instant transfers 24/7 using FedNow and RTP networks

Real-Time Data

Access balances and transactions in real-time via API

Full API Control

Create, manage, and monitor accounts programmatically

Bank-Level Security

FDIC-insured accounts with bank-level security and encryption

Simple API Integration

Create and manage checking accounts programmatically

Create Checking Account

POST /api/v1/accounts/checking
Create a new checking account programmatically

List Accounts

GET /api/v1/accounts/checking
Retrieve all checking accounts with balances and metadata

Get Account Balance

GET /api/v1/accounts/checking/{id}/balance
Get real-time balance for a specific checking account

Ready to Create Checking Accounts?

Create checking accounts via API. Perfect for business operations, customer accounts, and account segregation. Get started today and streamline your account management.