> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Create deposit account

> Creates a new deposit account for a user or business.

POST/depositaccounts

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](https://www.marqeta.com/docs/developer-guides/about-customer-due-diligence.md). **Allowable Values:**  Array of `customer_due_diligence` objects  Array of objects with valid CDD question/answer pairs, as described in [CDD Data Object](https://www.marqeta.com/docs/developer-guides/about-customer-due-diligence.md#_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 user

```json JSON lines wrap theme={null}
{
  "user_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "name": "My Checking Account",
  "type": "CHECKING",
  "customer_due_diligence": [
    {
      "question": "dda_002_cdd_01_expmondep",
      "answer": "2"
    }
  ]
}
```

Create a savings account for a business

```json JSON lines wrap theme={null}
{
  "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 account

```json JSON lines wrap theme={null}
{
  "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"
}
```

Pending business savings account

```json JSON lines wrap theme={null}
{
  "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"
}
```


## Related topics

- [Create deposit account](https://www.marqeta.com/docs/core-api/deposit-accounts-v3/create-deposit-account-v3.md)
- [Create deposit account transition](https://www.marqeta.com/docs/core-api/deposit-accounts-v3/account-transitions-v3/create-deposit-account-transition.md)
- [Deposit Accounts v3 Overview](https://www.marqeta.com/docs/core-api/deposit-accounts-v3.md)
- [Deposit Accounts v4 Overview](https://www.marqeta.com/docs/core-api/deposit-accounts-v4.md)
- [Deposit Account Transitions (v3) Overview](https://www.marqeta.com/docs/core-api/deposit-accounts-v3/account-transitions-v3.md)