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Create

Create external bank account
post/v1/external_bank_accounts

Creates an external bank account within a program or Lithic account.

Body Parameters
bodyunion
optional
One of the following 4 object variants:
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BankVerifiedCreateBankAccountAPIRequestobject
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account_numberstring

Account Number

minLength1
maxLength17
countrystring

The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

minLength3
maxLength3
currencystring

currency of the external account 3-character alphabetic ISO 4217 code

minLength3
maxLength3
financial_account_tokenstring

The financial account token of the operating account to fund the micro deposits

formatuuid
ownerstring

Legal Name of the business or individual who owns the external account. This will appear in statements

minLength1
maxLength100
owner_typeOwnerType

Owner Type

routing_numberstring

Routing Number

minLength9
maxLength9
typeenum
Accepts one of the following: "CHECKING", "SAVINGS"

Account Type

Hide ParametersShow Parameters
"CHECKING"
"SAVINGS"
verification_methodVerificationMethod

Verification Method

account_tokenstring
optional

Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

formatuuid
addressaddress1stringcitystringcountrystringpostal_codestringstatestringaddress2stringExternalBankAccountAddress
optional

Address

company_idstring
optional

Optional field that helps identify bank accounts in receipts

minLength1
maxLength10
dobstring
optional

Date of Birth of the Individual that owns the external bank account

formatdate
doing_business_asstring
optional

Doing Business As

minLength1
maxLength40
namestring
optional

The nickname for this External Bank Account

minLength1
maxLength50
user_defined_idstring
optional

User Defined ID

minLength1
maxLength256
verification_enforcementboolean
optional
PlaidCreateBankAccountAPIRequestobject
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ownerstring

Legal Name of the business or individual who owns the external account. This will appear in statements

minLength1
maxLength100
owner_typeOwnerType

Owner Type

processor_tokenstring
minLength1
verification_methodVerificationMethod

Verification Method

account_tokenstring
optional

Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

formatuuid
company_idstring
optional

Optional field that helps identify bank accounts in receipts

minLength1
maxLength10
dobstring
optional

Date of Birth of the Individual that owns the external bank account

formatdate
doing_business_asstring
optional

Doing Business As

minLength1
maxLength40
user_defined_idstring
optional

User Defined ID

minLength1
maxLength256
ExternallyVerifiedobject
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account_numberstring

Account Number

minLength1
maxLength17
countrystring

The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

minLength3
maxLength3
currencystring

currency of the external account 3-character alphabetic ISO 4217 code

minLength3
maxLength3
ownerstring

Legal Name of the business or individual who owns the external account. This will appear in statements

minLength1
maxLength100
owner_typeOwnerType

Owner Type

routing_numberstring

Routing Number

minLength9
maxLength9
typeenum
Accepts one of the following: "CHECKING", "SAVINGS"

Account Type

Hide ParametersShow Parameters
"CHECKING"
"SAVINGS"
verification_methodenum
Accepts one of the following: "EXTERNALLY_VERIFIED"

Verification Method

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"EXTERNALLY_VERIFIED"
account_tokenstring
optional

Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

formatuuid
addressaddress1stringcitystringcountrystringpostal_codestringstatestringaddress2stringExternalBankAccountAddress
optional

Address

company_idstring
optional

Optional field that helps identify bank accounts in receipts

minLength1
maxLength10
dobstring
optional

Date of Birth of the Individual that owns the external bank account

formatdate
doing_business_asstring
optional

Doing Business As

minLength1
maxLength40
namestring
optional

The nickname for this External Bank Account

minLength1
maxLength50
user_defined_idstring
optional

User Defined ID

minLength1
maxLength256
Unverifiedobject
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account_numberstring

Account Number

minLength1
maxLength17
countrystring

The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

minLength3
maxLength3
currencystring

currency of the external account 3-character alphabetic ISO 4217 code

minLength3
maxLength3
ownerstring

Legal Name of the business or individual who owns the external account. This will appear in statements

minLength1
maxLength100
owner_typeOwnerType

Owner Type

routing_numberstring

Routing Number

minLength9
maxLength9
typeenum
Accepts one of the following: "CHECKING", "SAVINGS"

Account Type

Hide ParametersShow Parameters
"CHECKING"
"SAVINGS"
verification_methodenum
Accepts one of the following: "UNVERIFIED"

Verification Method

Hide ParametersShow Parameters
"UNVERIFIED"
account_tokenstring
optional

Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

formatuuid
addressaddress1stringcitystringcountrystringpostal_codestringstatestringaddress2stringExternalBankAccountAddress
optional

Address

company_idstring
optional

Optional field that helps identify bank accounts in receipts

minLength1
maxLength10
dobstring
optional

Date of Birth of the Individual that owns the external bank account

formatdate
doing_business_asstring
optional

Doing Business As

minLength1
maxLength40
namestring
optional

The nickname for this External Bank Account

minLength1
maxLength50
user_defined_idstring
optional

User Defined ID

minLength1
maxLength256
Returns
tokenstring

A globally unique identifier for this record of an external bank account association. If a program links an external bank account to more than one end-user or to both the program and the end-user, then Lithic will return each record of the association

formatuuid
countrystring

The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

createdstring

An ISO 8601 string representing when this funding source was added to the Lithic account.

formatdate-time
currencystring

currency of the external account 3-character alphabetic ISO 4217 code

last_fourstring

The last 4 digits of the bank account. Derived by Lithic from the account number passed

ownerstring

Legal Name of the business or individual who owns the external account. This will appear in statements

owner_typeenum
Accepts one of the following: "BUSINESS", "INDIVIDUAL"

Owner Type

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"BUSINESS"
"INDIVIDUAL"
routing_numberstring

Routing Number

stateenum
Accepts one of the following: "ENABLED", "CLOSED", "PAUSED"

Account State

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"ENABLED"
"CLOSED"
"PAUSED"
typeenum
Accepts one of the following: "CHECKING", "SAVINGS"

Account Type

Hide ParametersShow Parameters
"CHECKING"
"SAVINGS"
verification_attemptsnumber

The number of attempts at verification

verification_methodenum
Accepts one of the following: "MANUAL", "MICRO_DEPOSIT", "PLAID", "PRENOTE"

Verification Method

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"MANUAL"
"MICRO_DEPOSIT"
"PLAID"
"PRENOTE"
verification_stateenum
Accepts one of the following: "PENDING", "ENABLED", "FAILED_VERIFICATION", "INSUFFICIENT_FUNDS"

Verification State

Hide ParametersShow Parameters
"PENDING"
"ENABLED"
"FAILED_VERIFICATION"
"INSUFFICIENT_FUNDS"
account_tokenstring
optional

Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

formatuuid
addressaddress1stringcitystringcountrystringpostal_codestringstatestringaddress2stringExternalBankAccountAddress
optional

Address

company_idstring
optional

Optional field that helps identify bank accounts in receipts

dobstring
optional

Date of Birth of the Individual that owns the external bank account

formatdate
doing_business_asstring
optional

Doing Business As

financial_account_tokenstring
optional

The financial account token of the operating account to fund the micro deposits

formatuuid
namestring
optional

The nickname for this External Bank Account

user_defined_idstring
optional

User Defined ID

verification_failed_reasonstring
optional

Optional free text description of the reason for the failed verification. For ACH micro-deposits returned, this field will display the reason return code sent by the ACH network

Request example Request
curl https://api.lithic.com/v1/external_bank_accounts \
    -H 'Content-Type: application/json' \
    -H "Authorization: $LITHIC_API_KEY"
200 Example
{
  "token": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  "country": "country",
  "created": "2019-12-27T18:11:19.117Z",
  "currency": "currency",
  "last_four": "last_four",
  "owner": "owner",
  "owner_type": "BUSINESS",
  "routing_number": "routing_number",
  "state": "ENABLED",
  "type": "CHECKING",
  "verification_attempts": 0,
  "verification_method": "MANUAL",
  "verification_state": "PENDING",
  "account_token": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  "address": {
    "address1": "x",
    "city": "x",
    "country": "USD",
    "postal_code": "11201",
    "state": "xx",
    "address2": "x"
  },
  "company_id": "company_id",
  "dob": "2019-12-27",
  "doing_business_as": "doing_business_as",
  "financial_account_token": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  "name": "name",
  "user_defined_id": "user_defined_id",
  "verification_failed_reason": "verification_failed_reason"
}