Deposit Accounts (Beta)
The Marqeta platform’s deposit account feature enables you to manage the creation, maintenance, and lifecycle of a deposit account.
You can also look up a user by their associated plain text deposit account number or list all the deposit accounts associated with a specified user.
Note
Using the deposit account feature requires additional configuration. If you are interested in using this feature, contact your Marqeta representative for more information.
Create deposit account
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Action: POST
Endpoint: /depositaccounts
Creates a new deposit account for a user or business.
Before you can create a new deposit account, the associated user must successfully pass KYC.
(You can also set the manual_override field of POST /kyc to true in the event that you performed the verification through another mechanism, such as with an alternative KYC provider or directly with the account holder).
For more information, see About KYC Verification.
An active, issued card—at either the parent or the child level—is required before creating an account with the type field set to DEPOSIT_ACCOUNT.
In contrast, you can create an account without an issued card when the type field is set to CHECKING; however, you must issue and activate a card before the checking account can be used to transact.
Note
Each cardholder is limited to five deposit accounts, including any accounts in theACTIVE or SUSPENDED state.
Contact your Marqeta representative if you need to raise this value.
Request body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the deposit account. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
User or business for which to create the deposit account.
Pass either a Allowable Values: Existing user or business token. NOTE: If you pass a business token here, you can only create a |
type
string
|
Type of deposit account being created. Allowable Values:
Default value: NOTE: This field is not returned in the response. |
customer_due_diligence
array of objects
|
Array containing Customer Due Diligence (CDD) data associated with the account holder specified by Allowable Values: Array of objects with valid CDD question/answer pairs, as described in CDD Data Object. |
Response body
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| Fields | Description |
|---|---|
account_number
string
|
Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program. |
routing_number
string
|
Routing number assigned to the deposit account. Allowable Values: 9 char max |
token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
User or business to whom the deposit account belongs. Allowable Values: 36 char max |
state
string
|
Status of the deposit account. Allowable Values:
|
type
string
|
Type of deposit account created. Allowable Values:
|
created_time
string
|
Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
last_modified_time
string
|
Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
Retrieve deposit account
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Action: GET
Endpoint: /depositaccounts/{token}
Retrieves a specified deposit account.
Include the token path parameter to indicate the deposit account to retrieve.
URL path parameters
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| Fields | Description |
|---|---|
token
string
|
Token of the deposit account. Allowable Values: Existing deposit account token. |
Response body
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| Fields | Description |
|---|---|
account_number
string
|
Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program. |
routing_number
string
|
Routing number assigned to the deposit account. Allowable Values: 9 char max |
token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
User or business associated with the deposit account. Allowable Values: 36 char max |
state
string
|
Status of the deposit account. Allowable Values:
|
type
string
|
Type of deposit account. Allowable Values:
|
created_time
string
|
Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
last_modified_time
string
|
Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
List deposit accounts
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Action: GET
Endpoint: /depositaccounts/user/{token}
Retrieves a list of all the deposit accounts associated with the specified account holder.
This endpoint supports pagination and field filtering.
URL path parameters
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| Fields | Description |
|---|---|
token
string
|
Token identifying the user or business whose deposit accounts you want to retrieve. Allowable Values: 36 char max |
Response body
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| Fields | Description |
|---|---|
account_number
string
|
Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program. |
routing_number
string
|
Routing number assigned to the deposit account. Allowable Values: 9 char max |
token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
Unique identifier of the user or business associated with the deposit account. Allowable Values: 36 char max |
state
string
|
Status of the deposit account. Allowable Values:
|
type
string
|
Type of deposit account. Allowable Values:
|
created_time
string
|
Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
last_modified_time
string
|
Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
Look up user by deposit account
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Action: GET
Endpoint: /depositaccounts/account/{account_number}/user
Looks up a user by their associated plain text deposit account number.
URL path parameters
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| Fields | Description |
|---|---|
account_number
string
|
Deposit account number of the user you are looking up. Allowable Values: Existing 13-17 digit deposit account number. |
Create deposit account transition
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Action: POST
Endpoint: /depositaccounts/transitions
Creates a transition record to activate, suspend, or deactivate a deposit account.
Warning
Accounts in theTERMINATED state cannot be transitioned to another state.
TERMINATED is a final state.
Request body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the account transitions record. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
state
string
|
Status of the account transitions record. Allowable Values:
|
channel
string
|
Channel associated with the account transitions record. Most account transitions use the Allowable Values:
|
reason
string
|
Explanation of why the account transitions record was created. Allowable Values: 255 char max |
Response body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the account transitions record. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
Unique identifier of the user or business associated with the account transitions record. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
state
string
|
Status of the deposit account. Allowable Values:
|
channel
string
|
Channel associated with the account transitions record. Allowable Values:
|
reason
string
|
Explanation of why the account transitions record was created.
This string is returned if you included it in your Allowable Values: 255 char max |
created_time
string
|
Date and time when the deposit transition was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
Retrieve deposit account transition
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Action: GET
Endpoint: /depositaccounts/transitions/{token}
Retrieves the specified deposit account transition.
URL path parameters
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the account transitions record. Allowable Values: 36 char max |
Response body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the account transitions record. Allowable Values: 36 char max |
user_token
OR
business_token
string
|
Unique identifier of the user or business associated with the account transitions record. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
state
string
|
Status of the account transitions record. Allowable Values:
|
channel
string
|
Channel associated with the account transitions record. Allowable Values:
|
reason
string
|
Explanation of why the account transitions record was created.
This string is returned if you included it in your Allowable Values: 255 char max |
created_time
string
|
Date and time when the account transitions record was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
Retrieve all deposit account transitions
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Action: GET
Endpoint: /depositaccounts/{user_token}/transitions
Retrieves a list of all transitions of all accounts that are associated with the specified account holder.
This endpoint supports pagination and field filtering.
URL path parameters
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| Fields | Description |
|---|---|
user_token
string
|
Unique identifier of the user whose account transitions you want to retrieve. Allowable Values: 36 char max |
Response body
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| Fields | Description |
|---|---|
token
string
|
Unique identifier of the account transitions record. Allowable Values: 36 char max |
user_token
string
|
Unique identifier of the user whose account transitions you want to retrieve. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the deposit account. Allowable Values: 36 char max |
state
string
|
Status to which the deposit account was transitioned. Allowable Values:
|
channel
string
|
Channel associated with the account transitions record. Allowable Values:
|
reason
string
|
Explanation of why the account transitions record was created.
This string is returned if you included it in your Allowable Values: 255 char max |
created_time
string
|
Date and time when the account transitions record was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ |
Retrieve customer due diligence information
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Action: GET
Endpoint: /depositaccounts/{token}/cdd
Retrieves a list of the customer due diligence (CDD) questions and answers associated with the specified account holder and DDA.
For more information on CDD, see About Customer Due Diligence.
URL path parameters
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| Fields | Description |
|---|---|
token
string
|
Token identifying the DDA whose CDD questions and answers you want to retrieve. Allowable Values: 36 char max |
Response body
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| Fields | Description |
|---|---|
customer_due_diligence_list
array of objects
|
An array containing a Each Allowable Values: An array of valid |
The customer_due_diligence data object
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| Fields | Description |
|---|---|
question
string
|
Unique identifier of the CDD question whose answer is stored in the Allowable Values: A Marqeta-assigned value, for example |
answer
string
|
Unique identifier of the answer supplied by the account holder in response to the CDD question specified by Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table. |
type
string
|
Type of account whose CDD data is contained in this object. Allowable Values:
|
bank
string
|
Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value |
token
string
|
Unique identifier of this CDD response. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the associated deposit account. Allowable Values: 36 char max |
Update customer due diligence information
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Action: PUT
Endpoint: /depositaccounts/{token}/cdd/{cddtoken}
Updates the answer to a customer due diligence (CDD) question associated with the specified account holder and DDA.
Note
Each CDD question must be updated separately; you cannot update multiple questions in a single request.
URL path parameters
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| Fields | Description |
|---|---|
token
string
|
Account token identifying the DDA whose CDD question you want to update. Allowable Values: Existing account token. |
cddtoken
string
|
Token identifying the CDD question whose answer you want to update. Allowable Values: Existing CDD token. |
Request body
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| Fields | Description |
|---|---|
answer
string
|
The updated answer value to the CDD question specified by Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table. |
Response body
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| Fields | Description |
|---|---|
question
string
|
Unique identifier of the CDD question whose updated answer is specified by Allowable Values: A Marqeta-assigned value, for example |
answer
string
|
Unique identifier of the updated answer supplied by the account holder in response to the CDD question specified by Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table. |
type
string
|
Type of account whose CDD data is being updated. Allowable Values:
|
bank
string
|
Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value |
token
string
|
Unique identifier of this CDD response. Allowable Values: 36 char max |
account_token
string
|
Unique identifier of the associated deposit account. Allowable Values: 36 char max |