POST/
Creates a new deposit account for a user or business. Supports account types including CHECKING, SAVINGS, WALLET, and DEPOSIT_ACCOUNT.
Request body
| Fields | Description |
|---|---|
| user_token string Optional | Unique identifier of the user for whom to create the deposit account. Required if business_token is not provided.Allowable Values: 36 char max |
| business_token string Optional | Unique identifier of the business for which to create the deposit account. Required if user_token is not provided.Allowable Values: 36 char max |
| name string Required | Label used to identify the account. The combination of name and type must be unique per user or business; you cannot create multiple accounts of the same type with the same name. Allowable Values: 255 char max |
| type string Required | Type of deposit account to create. The combination of name and type must be unique per user or business; you cannot create multiple accounts of the same type with the same name. Allowable Values: CHECKING, SAVINGS, WALLET, DEPOSIT_ACCOUNT |
| customer_due_diligence array of objects Optional | Array containing customer due diligence (CDD) data associated with the account holder. Required if the type field is set to CHECKING.For details, see About Customer Due Diligence. Allowable Values: Array of customer_due_diligence objectsArray of objects with valid CDD question/answer pairs, as described in CDD Data Object. |
| customer_due_diligence[].question string Required | Token that identifies the customer due diligence (CDD) question being asked. Allowable Values: Example: dda_002_cdd_01_expmondep |
| customer_due_diligence[].answer string Required | Value of the answer to the customer due diligence question, written as a number. Allowable Values: Example: 2 |
| customer_due_diligence[].token string Optional | Unique identifier of the CDD entry. If you do not include a token, the system will generate one automatically. Allowable Values: 36 char max |
Sample request body
Create a checking account for a userJSON
{
"user_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"name": "My Checking Account",
"type": "CHECKING",
"customer_due_diligence": [
{
"question": "dda_002_cdd_01_expmondep",
"answer": "2"
}
]
}
JSON
{
"business_token": "d4e5f678-90ab-cdef-1234-567890abcdef",
"name": "Business Savings Account",
"type": "SAVINGS"
}
Response body
| Fields | Description |
|---|---|
| token string Returned | Unique identifier of the deposit account. Allowable Values: 36 char max |
| name string Conditionally returned | Name of the deposit account. Allowable Values: 255 char max |
| user_token string Conditionally returned | Unique identifier of the user associated with the deposit account. Allowable Values: 36 char max |
| business_token string Conditionally returned | Unique identifier of the business associated with the deposit account. Allowable Values: 36 char max |
| status string Returned | Current status of the deposit account. Allowable Values: ACTIVE, SUSPENDED, TERMINATED, PENDING, FAILED |
| type string Conditionally returned | Type of the deposit account. Allowable Values: CHECKING, SAVINGS, WALLET, DEPOSIT_ACCOUNT |
| created_time datetime Returned | Date and time when the deposit account was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ |
| last_modified_time datetime Returned | Date and time when the deposit account was last updated, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ |
Sample response body
Pending user checking accountJSON
{
"token": "b27f2c40-3a2e-4d8f-a93b-7c6e1f5d8b21",
"name": "My Checking Account",
"user_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"status": "PENDING",
"type": "CHECKING",
"created_time": "2026-01-08T17:56:06Z",
"last_modified_time": "2026-01-08T17:56:06Z"
}
JSON
{
"token": "c38a3d51-4b3f-5e9a-b04c-8d7a70c9d321",
"name": "Business Savings Account",
"business_token": "d4e5f678-90ab-cdef-1234-567890abcdef",
"status": "PENDING",
"type": "SAVINGS",
"created_time": "2026-01-08T17:56:06Z",
"last_modified_time": "2026-01-08T17:56:06Z"
}