# Column MCP for AI Agents MCP > Column MCP connects your AI agents directly to a nationally chartered US bank's developer APIs. Use it to execute complex financial tasks like automated ACH vendor payments, immediate wire transfers, and even generating physical paper checks—all triggered by natural language commands. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** ach-transfers, banking-api, financial-infrastructure, wire-transfers, developer-first, money-movement ## Description Forget logging into separate web portals or relying on limited banking interfaces. This MCP gives your AI client direct access to a robust US bank infrastructure built for developers. You can process heavy capital movements with deterministic actions, whether you need to settle recurring vendor payouts via automated ACH transfers or execute immediate wire payments. Beyond digital transactions, the system lets your agent generate and mail physical checks directly to any US address. Need to set up new corporate clients? Your AI client handles KYC verification and entity creation before generating bank accounts. All this functionality is available through Vinkius, connecting these core banking tools to your favorite AI client. ## Tools ### column_create_ach_transfer Sends an automated ACH payment to any external routing or account number. ### column_create_bank_account Establishes a new Demand Deposit Account (DDA) for corporate use. ### column_create_check Generates and sends physical paper checks, useful for older vendor systems. ### column_create_entity Registers a new business or individual and runs compliance screening against KYC standards. ### column_create_wire_transfer Executes an immediate, high-value wire transfer between accounts. ### column_get_balance Checks the currently settled and available funds within a specific bank account. ### column_get_bank_account Fetches detailed routing information for a designated Demand Deposit Account. ### column_get_statement Retrieves full, generated bank statement artifacts for accounting records. ### column_list_entities Displays a list of all active KYC profiles under the chartered institution. ### column_list_transfers Retrieves a history log of past ACH payment operations for auditing purposes. ### column_list_webhooks Shows all webhooks that are currently registered and listening for events. ### column_simulate_ach Triggers a sandbox simulation of an incoming ACH payment movement to test workflows. ## Prompt Examples **Prompt:** ``` What is my current available cash balance in the main operating account? ``` **Response:** ``` **Account Balance Audit** The root sub-account ledger shows: * **Available Limit:** $483,101.40 USD * **Reserved Funds (Pending):** $12,500.00 USD * **Last Audit Time:** Today at 9:15 AM UTC The funds are liquid and ready for immediate dispatch. ``` **Prompt:** ``` Send a wire transfer of $75,000 to Global Supply Chain Inc. today. ``` **Response:** ``` **Wire Transfer Confirmation** ✅ **Status:** Processing 💰 **Amount:** $75,000 USD ➡️ **Recipient:** Global Supply Chain Inc. ⏳ **Expected Completion:** Within 1-2 business hours via standard wire network. The funds are successfully locked and transferred. ``` **Prompt:** ``` I need to pay three vendors: 'A Corp' (ACH), 'B LLC' (Check), and 'C Ltd.' (Wire). What do I do? ``` **Response:** ``` Here’s the best approach for mixed payment types: 1. **ACH:** Use `column_create_ach_transfer` for A Corp. 2. **Paper Check:** Use `column_create_check` for B LLC and provide their mailing address. 3. **Wire:** Initiate `column_create_wire_transfer` for C Ltd. This ensures all payments hit the ledger using the method best suited for each recipient. ``` ## Capabilities ### Initiate ACH payments Send reliable recurring vendor payments directly from a main account balance. ### Perform immediate wire transfers Execute instant, high-value fund movements between accounts. ### Create and register corporate entities Complete compliance screening and establish new business or personal accounts ready for banking use. ### Generate physical checks Print and send real paper checks to any US mailing address, ideal for legacy vendor systems. ### Manage bank account details Set up new Demand Deposit Accounts (DDA) or fetch specific routing numbers needed for transfers. ### Audit fund status and history Check available funds, retrieve full bank statements, or view historical payment records. ## Use Cases ### Processing Vendor Payments for Multiple States A Property Management Lead needs to pay 15 vendors across different states. Instead of running 15 separate manual payments, the agent executes `column_create_ach_transfer` multiple times in one prompt, ensuring every vendor gets paid instantly using natural language. ### Onboarding a New Subsidiary A Corporate Finance Analyst needs to get a new legal entity operational. They ask the agent to run compliance screening (`column_create_entity`) and then immediately set up the necessary bank account using `column_create_bank_account` for immediate funds movement. ### Handling Payroll for Non-Digital Vendors A payroll manager needs to pay a small contractor who only accepts paper checks. They instruct the agent, and it uses `column_create_check` to generate and mail physical payments instantly without accessing any printed forms. ### Auditing Quarterly Spending A Treasury Manager needs to reconcile quarterly spending against bank records. The agent fetches full statements using `column_get_statement` and cross-references them with historical payment logs from `column_list_transfers` for immediate auditing. ## Benefits - Instead of manually logging into a web portal to initiate payments, your agent can reliably push vendor payouts using `column_create_ach_transfer` directly from natural language instructions. - You eliminate the setup time for new corporate clients. Your AI client can handle full onboarding by running `column_create_entity` and then establishing usable bank accounts with `column_create_bank_account`. - For legacy systems, you don't need to adapt your processes; just ask for it. The agent uses `column_create_check` to print and mail physical paper checks instantly. - Get real-time visibility into cash flow by checking current balances using `column_get_balance`, eliminating the delay of waiting for end-of-day reports. - Your AI client can manage compliance documentation automatically. You retrieve full account histories via `column_get_statement` or audit past movements with `column_list_transfers`. ## How It Works The bottom line is, once you provide the API key, your AI client can execute complex financial commands without needing to interact with any graphical user interface. 1. Sign up on the Column Bank developer web-app to gain access credentials. 2. Obtain your developer API Key token string. This key acts as the necessary basic authentication for all operations. 3. Integrate that specific token into the application parameters within the MCP interface. ## Frequently Asked Questions **How can I use Column MCP to send money to multiple vendors?** You can automate batch payouts by having your agent run multiple payment types in sequence. For example, you can combine `column_create_ach_transfer` for regular payments and `column_create_check` for physical mailings all in one request. **Does Column MCP help me set up a new corporate account?** Yes. You can initiate the entire setup process with your agent. It handles compliance checks using `column_create_entity` and then creates the functional bank account for you, getting it ready to receive funds. **What if I need a paper check printed out right now?** The MCP allows your agent to generate physical checks. You just provide the recipient's details and amount, and the system handles printing and mailing the document automatically for you. **Is Column MCP better than using a simple accounting software API?** This MCP connects directly to chartered US bank APIs, giving you raw banking infrastructure access. It's deeper than standard accounting tools because it handles the actual fund movement and compliance lifecycle. **Can I audit my transactions history using Column MCP?** Absolutely. You can use your agent to retrieve detailed records of past ACH operations via `column_list_transfers` or pull official bank statement artifacts with `column_get_statement`.