btmerr

Forgive the shameless self-promotion, but we at Seed offer a customer facing API for read-only transaction data. We would happily build out more API features, but we've seen very little demand, despite the frequent HN threads about bank APIs.

We are a business focused bank, but we support sole proprietors and freelancers as well.

API docs are here: http://docs.seed.co/v1.0.0/docs

https://seed.co

p.s. We are working on Android I promise please don't yell at us (again).

Cert pinning. EOL.

Hey there. I'm Brian, the CEO of Seed. Thanks for remembering us and thank you for trying us out. :)

Long story short, we're still working on making the API available to our members. Plans changed along the way and we ended up releasing our mobile business bank account first, but our long term goal of offering a more open platform remains.

It's tough to do anything innovative within the US banking system due to regulations, partner challenges, risk, and other factors, but we're going to keep working at it.

Seed (YC W15) - Online Business Banking - https://seed.co

ONSITE in San Francisco or Portland, REMOTE (US)

Role: Backend Engineer, iOS Engineer

Stack: Golang, Swift, Docker, AWS

Skills:

We value core software engineering experience, so being comfortable working w/o a framework and being able to code in other languages are a big plus.

Process:

Phone intro, phone screen, onsite + technical interview, decision. We strive to complete this process within 2 weeks if a candidates schedule permits.

Apply: https://seed.co/jobs/

Please include a cover letter and mention that you found us on HN. Also feel free to reach out to me at brian at seed.co

What we do:

We’re taking on the challenge of modernizing small business banking. We’re building beautiful, easy-to-use tools for banking, invoicing, expense tracking, and more, so our members can focus on helping their businesses thrive. Those tools also need to integrate smoothly with often-antiquated banking systems, and be bank-level secure. It’s a huge challenge, but one we enjoy tackling every day.

Recent press: https://seed.co/press/

Seed (YC W15) - Online Business Banking - https://seed.co

ONSITE in San Francisco or Portland, REMOTE (US)

Role: iOS Engineer, Backend Engineer

Stack: Golang, Swift, Docker, AWS

Skills: We value core software engineering experience, so being comfortable working w/o a framework and being able to code in other languages are a big plus.

Process:

Phone intro, phone screen, onsite + technical interview, decision. We strive to complete this process within 2 weeks if a candidates schedule permits.

Apply: https://seed.co/jobs/

Please include a cover letter and mention that you found us on HN. Also feel free to reach out to me at brian at seed.co

What we do:

We’re taking on the challenge of modernizing small business banking. We’re building beautiful, easy-to-use tools for banking, invoicing, expense tracking, and more, so our members can focus on helping their businesses thrive. Those tools also need to integrate smoothly with often-antiquated banking systems, and be bank-level secure. It’s a huge challenge, but one we enjoy tackling every day.

Recent press: https://seed.co/press/

Not exactly. The proposed charters are limited compared to traditional bank charters, but it's a start.

Seed (YC W15) - Online Banking for Small Business - https://seed.co

ONSITE in San Francisco or Portland, REMOTE (US)

Role: Frontend Engineer

Stack: JS, React, Golang, Swift, Docker, AWS

Skills: We value core software engineering experience, so being comfortable working w/o a framework and being able to code in other languages are a big plus.

Process:

Phone intro, phone screen, onsite + technical interview, decision. We strive to complete this process within 2 weeks if a candidates schedule permits.

Apply: https://seed.co/jobs/

Please include a cover letter and mention that you found us on HN. Also feel free to reach out to me at brian at seed.co

What we do:

We’re taking on the challenge of modernizing small business banking. We’re building beautiful, easy-to-use tools for banking, invoicing, expense tracking, and more, so our members can focus on helping their businesses thrive. Those tools also need to integrate smoothly with often-antiquated banking systems, and be bank-level secure. It’s a huge challenge, but one we enjoy tackling every day.

Recent press: https://seed.co/press/

Seed (YC W15) - Online Banking for Small Business - https://seed.co

ONSITE in San Francisco or Portland, REMOTE (US)

Roles: Backend Engineer, Frontend Engineer, iOS Engineer

Stack: Golang, Swift, React, Docker, AWS

Process:

Phone intro, phone screen, onsite + technical interview, decision. We strive to complete this process within 2 weeks if a candidates schedule permits.

Apply: https://seed.co/jobs/

Please include a cover letter and mention that you found us on HN. Also feel free to reach out to me at brian at seed.co

What we do:

We’re taking on the challenge of modernizing small business banking. We’re building beautiful, easy-to-use tools for banking, invoicing, expense tracking, and more, so our members can focus on helping their businesses thrive. Those tools also need to integrate smoothly with often-antiquated banking systems, and be bank-level secure. It’s a huge challenge, but one we enjoy tackling every day.

Recent press: https://seed.co/press/

Just send me an email at brian at seed.co. We're open to all kinds of interns so we don't have a specific job opening listed.

Seed (YC W15) - Online Banking for Small Business - https://seed.co

ONSITE in San Francisco or Portland, REMOTE (US)

Roles: Backend Engineer, Frontend Engineer, iOS Engineer, Interns

Stack: React, Golang, Swift, Docker, AWS

Process:

Phone intro, phone screen, onsite + technical interview, decision. We strive to complete this process within 2 weeks if a candidates schedule permits.

Apply: https://seed.co/jobs/

Please include a cover letter and mention that you found us on HN. Also feel free to reach out to me at brian at seed.co

What we do:

We’re taking on the challenge of modernizing small business banking. We’re building beautiful, easy-to-use tools for banking, invoicing, expense tracking, and more, so our members can focus on helping their businesses thrive. Those tools also need to integrate smoothly with often-antiquated banking systems, and be bank-level secure. It’s a huge challenge, but one we enjoy tackling every day.

Recent press: https://seed.co/press/

We would welcome any new entrants that sought to provide a better customer experience. All of the companies you mentioned have already entertained the idea of entering banking, but they haven't yet jumped in.

As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this.

I'm Brian, the cofounder and CEO of Seed. I'm happy to answer any questions anyone has.

I'll be on a flight for the next few hours, but I'll check in when I land.

Hi. I'm Brian, the cofounder and CEO of Seed.

While we have strong opinions about regulatory and legislative changes that would enable innovation, it's impractical to attempt systemic disruption as a seed stage company.

Our mission is not to change banking just for the sake of it. We are focused on providing a better service for our members.

There's a lot of room for improvement, even within the current system, and by focusing on things we can do rather than things we wish we could do, we'll be able to make positive progress.

Many well meaning startups have pursued immediate disruption and have failed. Our view is that if we are successful within the current environment, we'll have a better chance of being able to help move things in a positive direction.

SEED is a new online bank for small business. We've written about our approach to engineering and the tech we use in our latest blog post. Check it out, and if you have any questions for us we'll be here all day.

We are only available in the US currently.

+1 for Holvi. They're great.

I can no longer speak for them, but while I was there we were entirely focused on getting our core consumer online banking product right. We did not want to launch an API without properly supporting the community, and we didn't want to distract ourselves from executing on the core product. There were other complexities but it's not appropriate for me to say any more.

I used to be the VP of Engineering at Simple. We always wanted to release an API but weren't able to. They're working on a bunch of great stuff over there, but I hope they do release one someday.

Our API docs are here: http://docs.seed.co

We're actively updating them - lots more to come.

Hey there. I'm the co-founder and CEO of SEED. We launched our banking API a few weeks ago - https://seed.co

We are only serving business customers for now. Feel free to send me a note at brian at seed.co if you have any questions.

Thanks!

They own or co-own the patent(s). Last I checked they were still battling it out in court.

The relevant legislation that enabled Remote Deposit Capture (RDC) is the Check21 act, which you can learn about here: http://www.federalreserve.gov/paymentsystems/regcc-faq-check...

In theory, anyone can build a system to deposit checks via check images, but software/process patents are a (mostly bad) thing. :(