Accounts

Manage funds with routable or virtual accounts

bank accounts

ACH

Leverage same-day and standard ACH with the latest cut-off times in the industry (up to 11:59PM ET) and access all six ACH windows. Programmatically originate and manage ACH transfers through our APIs and customize the structure of your account hierarchy.

Virtual & Routable Accounts

Create and manage wallets and routable accounts that support your unique funds flow in our platform. Send and receive payments, manage cash flow, and reconcile transactions—all from a single, centralized platform.

Account Opening & Onboarding

Programmatically open accounts for your users with built-in compliance. Have your users complete the entire onboarding process online, from submitting personal information to verifying identity documents.

Move Money Securely

Verify external account ownership via Plaid, micro-deposits, and ACH prenotes. Rely on a proven platform with over $10B in ACH processed.

Virtual or Routable Accounts

Routable accounts provide full routing and account numbers to support external ACH money movement, while virtual accounts are funded by internal transfer from your program account. Choose what’s best for your use case.

A True System
of Record

Leverage Lithic's native banking core as the system of record for balances and transactions, streamlining reconciliation and compliance. Surface data instantly through Lithic’s API or dashboard.

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