Create deposit account

POST/

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 the ACTIVE or SUSPENDED state. Contact your Marqeta representative if you need to raise this value.

Request body

Fields	Description
token string Optional	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 Required	User or business for which to create the deposit account. Pass either a `user_token` or `business_token`. Performs a non-case-sensitive match. Allowable Values: Existing user or business token. NOTE: If you pass a business token here, you can only create a `DEPOSIT_ACCOUNT`, and not a `CHECKING` account. See the `type` field below for details.
type string Optional	Type of deposit account being created. Allowable Values: - `DEPOSIT_ACCOUNT`: An ACH account that supports automatic direct deposit transactions. Reserved for prepaid card programs. - `CHECKING`: A consumer Demand Deposit Account (DDA) offering features typically associated with checking accounts. Default value: `DEPOSIT_ACCOUNT` NOTE: This field is not returned in the response.
customer_due_diligence array of objects Conditionally required	Array containing Customer Due Diligence (CDD) data associated with the account holder specified by `user_token`. Required when the `type` field is set to `CHECKING`. For details, see About Customer Due Diligence. Allowable Values: Array of objects with valid CDD question/answer pairs, as described in CDD Data Object.

Response body

Fields	Description
account_number string Returned	Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program.
routing_number string Returned	Routing number assigned to the deposit account. Allowable Values: 9 char max
token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
user_token OR business_token string Returned	User or business to whom the deposit account belongs. Allowable Values: 36 char max
state string Returned	Status of the deposit account. Allowable Values: `ACTIVE`
type string Returned	Type of deposit account created. Allowable Values: `DEPOSIT_ACCOUNT`, `CHECKING`
created_time string Returned	Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ
last_modified_time string Returned	Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample request body

JSON

{
  "user_token": "bd6772dc-3ab9-4014-8ef1-fa0843bf5d0d",
  "type": "CHECKING",
  "customer_due_diligence": [
    {
      "question": "dda_002_cdd_01_expmondep",
      "answer": "2"
    },
    {
      "question": "dda_002_cdd_02_naics",
      "answer": "6241"
    }
  ]
}

Sample response body

JSON

{
  "account_number": "2401870493365",
  "routing_number": "041285663",
  "token": "b28fc1c9-d0b7-452c-9e88-4d17099114c3",
  "user_token": "bd6772dc-3ab9-4014-8ef1-fa0843bf5d0d",
  "state": "ACTIVE",
  "type": "CHECKING",
  "created_time": "2020-12-08T00:12:59Z",
  "last_modified_time": "2020-12-08T00:12:59Z"
}

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