Interest Accounts

This feature is currently in beta and subject to change. The interest service feature is available with select partner banks. To learn more about the Beta program for this feature or the interest service, contact your Marqeta Customer Success representative.

The Interest Accounts service manages interest rates at both the program level and the account level. It works with multiple partner banks to enable interest generation and accrual for checking and savings accounts. An interest tier defines the rate that a group of accounts earns. Each rate has a gross account_rate and a compounded effective_rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER). To understand how the Marqeta platform derives the effective rate and applies interest to balances for your program, contact your Marqeta representative. A new interest tier rate takes effect on its effective date, which must be later than today. The earliest date you can set is tomorrow (T+1), so a rate you create today cannot apply before tomorrow. The Marqeta platform calculates a tier’s current rate from the most recent rate whose effective date has already passed. You can enroll a single account, or a batch of accounts, in an interest tier. Enrolling an account applies the tier’s rate to the account’s balance. When an enrollment or rate changes, the Interest Accounts service sends a webhook notification so that your system can reflect the change. Use the /v3/interestaccounts endpoints to configure interest tiers and rates, and to enroll accounts in an interest tier.

Create interest tier

Action: POST Endpoint: /v3/interestaccounts/interesttiers Creates a new interest tier for a program’s checking or savings accounts.

Request body

Fields	Description
token string Optional	Unique identifier of the interest tier. If not provided, one is generated automatically. Allowable Values: 1–36 chars
description string Required	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
name string Required	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
type string Required	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
default boolean Required	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`

Sample request body

Create a checking interest tier

JSON

{
  "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "name": "Standard Checking",
  "description": "Standard interest tier for checking accounts.",
  "type": "CHECKING",
  "default": true
}

Create a savings interest tier

JSON

{
  "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
  "name": "Premium Savings",
  "description": "Premium savings tier with higher interest rates.",
  "type": "SAVINGS",
  "default": true
}

Response body

Fields	Description
token string Returned	Unique identifier of the interest tier. Allowable Values: Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45` 36 char max
description string Returned	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
name string Returned	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
type string Returned	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
current_rate object Conditionally returned	The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. Allowable Values: `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time`
current_rate.note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
current_rate.account_rate decimal Conditionally returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
current_rate.effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
current_rate.effective_date string Conditionally returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
current_rate.created_time datetime Conditionally returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
current_rate.updated_time datetime Conditionally returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
default boolean Returned	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`
created_time datetime Returned	Date and time when the interest tier was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the interest tier was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

Checking tier created

JSON

{
  "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "name": "Standard Checking",
  "description": "Standard interest tier for checking accounts.",
  "type": "CHECKING",
  "default": true,
  "created_time": "2026-01-15T09:00:00Z",
  "updated_time": "2026-01-15T09:00:00Z"
}

Savings tier created

JSON

{
  "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
  "name": "Premium Savings",
  "description": "Premium savings tier with higher interest rates.",
  "type": "SAVINGS",
  "default": true,
  "created_time": "2026-01-15T09:00:00Z",
  "updated_time": "2026-01-15T09:00:00Z"
}

Error codes

Error Code	Error Message
`400001`	Invalid input(s) detected
`500000`	Internal server error

See Errors for the complete list of error codes.

Retrieve interest tier

Action: GET Endpoint: /v3/interestaccounts/interesttiers/{token} Retrieves an interest tier using the specified token.

URL path parameters

Fields	Description
token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token

Response body

Fields	Description
token string Returned	Unique identifier of the interest tier. Allowable Values: Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45` 36 char max
description string Returned	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
name string Returned	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
type string Returned	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
current_rate object Conditionally returned	The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. Allowable Values: `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time`
current_rate.note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
current_rate.account_rate decimal Conditionally returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
current_rate.effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
current_rate.effective_date string Conditionally returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
current_rate.created_time datetime Conditionally returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
current_rate.updated_time datetime Conditionally returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
default boolean Returned	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`
created_time datetime Returned	Date and time when the interest tier was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the interest tier was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

Retrieve a checking interest tier

JSON

{
  "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "name": "Standard Checking",
  "description": "Standard interest tier for checking accounts.",
  "type": "CHECKING",
  "default": true,
  "created_time": "2026-01-15T09:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z",
  "current_rate": {
    "account_rate": 3.75,
    "effective_rate": 3.82,
    "effective_date": "2026-07-01",
    "created_time": "2026-06-01T12:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z"
  }
}

Retrieve a savings interest tier

JSON

{
  "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
  "name": "Premium Savings",
  "description": "Premium savings tier with higher interest rates.",
  "type": "SAVINGS",
  "default": true,
  "created_time": "2026-01-15T09:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z",
  "current_rate": {
    "account_rate": 4.5,
    "effective_rate": 4.6,
    "effective_date": "2026-07-01",
    "created_time": "2026-06-01T12:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z"
  }
}

Error codes

Error Code	Error Message
`404000`	Resource not found

See Errors for the complete list of error codes.

List interest tiers

Action: GET Endpoint: /v3/interestaccounts/interesttiers Returns a paginated list of interest tiers.

URL query parameters

Fields	Description
count integer Optional	Number of interest tiers to retrieve. Allowable Values: 0 min Default value: 5
start_index integer Optional	Index of the first result in the returned array. Use for pagination. Allowable Values: 0 min Default value: 0
sort_by string Optional	Field on which to sort. Prefix with `-` for descending order. Allowable Values: `created_time`, `-created_time`, `last_modified_time`, or `-last_modified_time` Default value: `-created_time`

Response body

Fields	Description
count integer Returned	Number of interest tier resources returned. Allowable Values: Example: 1 Any integer
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Example: 0 Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: Example: `false` `true`, `false`
data array of objects Returned	Array of interest tier objects. Allowable Values: Valid array of one or more interest tier objects
data[].token string Returned	Unique identifier of the interest tier. Allowable Values: Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45` 36 char max
data[].description string Returned	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
data[].name string Returned	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
data[].type string Returned	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
data[].current_rate object Conditionally returned	The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. Allowable Values: `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time`
data[].current_rate.note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
data[].current_rate.account_rate decimal Conditionally returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
data[].current_rate.effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
data[].current_rate.effective_date string Conditionally returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
data[].current_rate.created_time datetime Conditionally returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
data[].current_rate.updated_time datetime Conditionally returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
data[].default boolean Returned	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`
data[].created_time datetime Returned	Date and time when the interest tier was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Returned	Date and time when the interest tier was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "is_more": false,
  "data": [
    {
      "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
      "name": "Standard Checking",
      "description": "Standard interest tier for checking accounts.",
      "type": "CHECKING",
      "default": true,
      "created_time": "2026-01-15T09:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z",
      "current_rate": {
        "account_rate": 3.75,
        "effective_rate": 3.82,
        "effective_date": "2026-07-01",
        "created_time": "2026-06-01T12:00:00Z",
        "updated_time": "2026-06-01T12:00:00Z"
      }
    },
    {
      "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
      "name": "Premium Savings",
      "description": "Premium savings tier with higher interest rates.",
      "type": "SAVINGS",
      "default": true,
      "created_time": "2026-01-15T09:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z",
      "current_rate": {
        "account_rate": 4.5,
        "effective_rate": 4.6,
        "effective_date": "2026-07-01",
        "created_time": "2026-06-01T12:00:00Z",
        "updated_time": "2026-06-01T12:00:00Z"
      }
    }
  ]
}

Error codes

Error Code	Error Message
`400001`	Invalid input(s) detected

See Errors for the complete list of error codes.

Create interest tier rate

Action: PUT Endpoint: /v3/interestaccounts/interesttiers/{interest_tier_token}/rates Creates an interest rate for a tier. The effective date must be a future date. The rate cannot exceed the program’s interest rate for the account type on the effective date.

URL path parameters

Fields	Description
interest_tier_token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token

Request body

Fields	Description
effective_date string Required	Date on which the rate takes effect. Must be a future date. Allowable Values: Format: yyyy-MM-dd
note string Optional	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
account_rate decimal Required	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Cannot exceed the program’s interest rate for the account type on the effective date. Allowable Values: 0–100

Sample request body

Create rate for a checking tier

JSON

{
  "effective_date": "2026-07-01",
  "account_rate": 3.75,
  "note": "Q3 2026 rate adjustment."
}

Create rate for a savings tier

JSON

{
  "effective_date": "2026-07-01",
  "account_rate": 4.5,
  "note": "Q3 2026 rate adjustment."
}

Response body

Fields	Description
note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
account_rate decimal Returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
effective_date string Returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
created_time datetime Returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

Rate created for checking tier

JSON

{
  "account_rate": 3.75,
  "effective_rate": 3.82,
  "effective_date": "2026-07-01",
  "note": "Q3 2026 rate adjustment.",
  "created_time": "2026-06-01T12:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z"
}

Rate created for savings tier

JSON

{
  "account_rate": 4.5,
  "effective_rate": 4.6,
  "effective_date": "2026-07-01",
  "note": "Q3 2026 rate adjustment.",
  "created_time": "2026-06-01T12:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z"
}

Error codes

Error Code	Error Message
`400001`	Invalid input(s) detected
`400917`	Effective date must be later than today.
`500000`	Internal server error

If the account_rate exceeds the program’s rate, this endpoint returns error code 400001 with the message The account rate cannot exceed the program's rate. See Errors for the complete list of error codes.

Retrieve interest tier rate

Action: GET Endpoint: /v3/interestaccounts/interesttiers/{interest_tier_token}/rates/{rate_effective_date} Retrieves the interest rate for a specific tier on the given effective date.

URL path parameters

Fields	Description
interest_tier_token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token
rate_effective_date string Required	Date on which the interest rate takes effect. Allowable Values: Format: yyyy-MM-dd

Response body

Fields	Description
note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
account_rate decimal Returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
effective_date string Returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
created_time datetime Returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "account_rate": 3.75,
  "effective_rate": 3.82,
  "effective_date": "2026-07-01",
  "note": "Q3 2026 rate adjustment.",
  "created_time": "2026-06-01T12:00:00Z",
  "updated_time": "2026-06-01T12:00:00Z"
}

Error codes

Error Code	Error Message
`400001`	Invalid input(s) detected

See Errors for the complete list of error codes.

List interest tier rates

Action: GET Endpoint: /v3/interestaccounts/interesttiers/{interest_tier_token}/rates Returns a paginated list of interest rates for a specific tier.

URL path parameters

Fields	Description
interest_tier_token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token

URL query parameters

Fields	Description
count integer Optional	Number of interest tier rates to retrieve. Allowable Values: 0 min Default value: 5
start_index integer Optional	Index of the first result in the returned array. Use for pagination. Allowable Values: 0 min Default value: 0
sort_by string Optional	Field on which to sort. Prefix with `-` for descending order. Allowable Values: `created_time`, `-created_time`, `last_modified_time`, or `-last_modified_time` Default value: `-created_time`

Response body

Fields	Description
count integer Returned	Number of interest tier rate resources returned. Allowable Values: Example: 1 Any integer
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Example: 0 Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: Example: `false` `true`, `false`
data array of objects Returned	Array of interest tier rate objects. Allowable Values: Valid array of one or more interest tier rate objects
data[].note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
data[].account_rate decimal Returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
data[].effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
data[].effective_date string Returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
data[].created_time datetime Returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "is_more": false,
  "data": [
    {
      "account_rate": 3.75,
      "effective_rate": 3.82,
      "effective_date": "2026-07-01",
      "note": "Q3 2026 rate adjustment.",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    },
    {
      "account_rate": 3.5,
      "effective_rate": 3.57,
      "effective_date": "2026-04-01",
      "note": "Q2 2026 rate.",
      "created_time": "2026-03-01T09:00:00Z",
      "updated_time": "2026-03-01T09:00:00Z"
    }
  ]
}

Error codes

Error Code	Error Message
`400001`	Invalid input(s) detected

See Errors for the complete list of error codes.

Add account to interest tier

Action: PUT Endpoint: /v3/interestaccounts/interesttiers/{interest_tier_token}/accounts/{account_token} Adds a single account to the specified interest tier.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. Allowable Values: Existing account token
interest_tier_token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token

Response body

Fields	Description
account_token string Returned	Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. Allowable Values: Example: `a1b2c3d4-e5f6-7890-abcd-ef1234567890` 36 char max
interest_tier object Returned	The interest tier currently assigned to the account. Allowable Values: `token`, `description`, `name`, `type`, `current_rate`, `default`, `created_time`, `updated_time`
interest_tier.token string Conditionally returned	Unique identifier of the interest tier. Allowable Values: Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45` 36 char max
interest_tier.description string Conditionally returned	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
interest_tier.name string Conditionally returned	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
interest_tier.type string Conditionally returned	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
interest_tier.current_rate object Conditionally returned	The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. Allowable Values: `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time`
interest_tier.current_rate.note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
interest_tier.current_rate.account_rate decimal Conditionally returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
interest_tier.current_rate.effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
interest_tier.current_rate.effective_date string Conditionally returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
interest_tier.current_rate.created_time datetime Conditionally returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.current_rate.updated_time datetime Conditionally returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.default boolean Conditionally returned	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`
interest_tier.created_time datetime Conditionally returned	Date and time when the interest tier was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.updated_time datetime Conditionally returned	Date and time when the interest tier was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "account_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "interest_tier": {
    "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "name": "Standard Checking",
    "description": "Standard interest tier for checking accounts.",
    "type": "CHECKING",
    "default": true,
    "created_time": "2026-01-15T09:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z",
    "current_rate": {
      "account_rate": 3.75,
      "effective_rate": 3.82,
      "effective_date": "2026-07-01",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    }
  }
}

Error codes

Error Code	Error Message
`404000`	Resource not found
`404004`	Cardholder not found by token
`404917`	Program not configured for interest.
`500000`	Internal server error

See Errors for the complete list of error codes.

Add accounts to interest tier

Action: PUT Endpoint: /v3/interestaccounts/interesttiers/{interest_tier_token}/accounts Adds multiple accounts to the specified interest tier in bulk.

URL path parameters

Fields	Description
interest_tier_token string Required	Unique identifier of the interest tier, as returned by the `POST /v3/interestaccounts/interesttiers` endpoint. Allowable Values: Existing interest tier token

Request body

Add accounts to interest tier request.

Fields	Description
account_tokens array of strings Required	List of account tokens to enroll in the interest tier, as returned by the `POST /v4/depositaccounts` endpoint. Allowable Values: 1–200 account tokens Example: [ `"a1b2c3d4-e5f6-7890-abcd-ef1234567890"`, `"b2c3d4e5-f6a7-8901-bcde-f12345678901"`, `"c3d4e5f6-a7b8-9012-cdef-123456789012"` ]

Sample request body

JSON

{
  "account_tokens": [
    "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "b2c3d4e5-f6a7-8901-bcde-f12345678901",
    "c3d4e5f6-a7b8-9012-cdef-123456789012"
  ]
}

Error codes

Error Code	Error Message
`404000`	Resource not found
`404004`	Cardholder not found by token
`404917`	Program not configured for interest.
`500000`	Internal server error

See Errors for the complete list of error codes.

Retrieve account interest tier

Action: GET Endpoint: /v3/interestaccounts/interesttiers/accounts/{account_token} Retrieves the current interest tier and rate for the specified account.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. Allowable Values: Existing account token

Response body

Fields	Description
account_token string Returned	Unique identifier of the account, as returned by the `POST /v4/depositaccounts` endpoint. Allowable Values: Example: `a1b2c3d4-e5f6-7890-abcd-ef1234567890` 36 char max
interest_tier object Returned	The interest tier currently assigned to the account. Allowable Values: `token`, `description`, `name`, `type`, `current_rate`, `default`, `created_time`, `updated_time`
interest_tier.token string Conditionally returned	Unique identifier of the interest tier. Allowable Values: Example: `3f5e1b2a-8d4c-4e9b-a1f6-2c7d0e3b9a45` 36 char max
interest_tier.description string Conditionally returned	Human-readable description of the interest tier. Allowable Values: Example: Premium savings tier with higher interest rates. 255 char max
interest_tier.name string Conditionally returned	Display name of the interest tier. Allowable Values: Example: Premium Savings 255 char max
interest_tier.type string Conditionally returned	Account type associated with the interest tier. Allowable Values: `CHECKING`, `SAVINGS`
interest_tier.current_rate object Conditionally returned	The most recent rate with an effective date on or before today. Not included in responses from the create interest tier endpoint. Always present in retrieve and list responses. Allowable Values: `note`, `account_rate`, `effective_rate`, `effective_date`, `created_time`, `updated_time`
interest_tier.current_rate.note string Conditionally returned	Optional note describing the reason for the rate change. Allowable Values: Example: Q3 2026 rate adjustment. 255 char max
interest_tier.current_rate.account_rate decimal Conditionally returned	The gross interest rate, also known as the nominal interest rate. This is the base rate, calculated without compounding. Allowable Values: 0–100
interest_tier.current_rate.effective_rate decimal Conditionally returned	The effective interest rate, also known as the annual percentage yield (APY) or annual equivalent rate (AER) — the daily compounding rate applied to the account’s balance. Allowable Values: 0–100
interest_tier.current_rate.effective_date string Conditionally returned	Date the rate takes effect. Allowable Values: Format: yyyy-MM-dd
interest_tier.current_rate.created_time datetime Conditionally returned	Date and time when the rate was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.current_rate.updated_time datetime Conditionally returned	Date and time when the rate was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.default boolean Conditionally returned	A value of `true` indicates this is the default tier for its account type. Allowable Values: Example: `true` `true`, `false`
interest_tier.created_time datetime Conditionally returned	Date and time when the interest tier was created, in UTC. Allowable Values: Example: 2026-01-15T09:00:00Z Format: yyyy-MM-ddThh:mm:ssZ
interest_tier.updated_time datetime Conditionally returned	Date and time when the interest tier was last updated, in UTC. Allowable Values: Example: 2026-06-01T12:00:00Z Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

Account enrolled in checking interest tier

JSON

{
  "account_token": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "interest_tier": {
    "token": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "name": "Standard Checking",
    "description": "Standard interest tier for checking accounts.",
    "type": "CHECKING",
    "default": true,
    "created_time": "2026-01-15T09:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z",
    "current_rate": {
      "account_rate": 3.75,
      "effective_rate": 3.82,
      "effective_date": "2026-07-01",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    }
  }
}

Account enrolled in savings interest tier

JSON

{
  "account_token": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
  "interest_tier": {
    "token": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "name": "Premium Savings",
    "description": "Premium savings tier with higher interest rates.",
    "type": "SAVINGS",
    "default": true,
    "created_time": "2026-01-15T09:00:00Z",
    "updated_time": "2026-06-01T12:00:00Z",
    "current_rate": {
      "account_rate": 4.5,
      "effective_rate": 4.6,
      "effective_date": "2026-07-01",
      "created_time": "2026-06-01T12:00:00Z",
      "updated_time": "2026-06-01T12:00:00Z"
    }
  }
}

Error codes

Error Code	Error Message
`404000`	Resource not found
`404004`	Cardholder not found by token
`500000`	Internal server error

See Errors for the complete list of error codes.

​Create interest tier

​Request body

​Sample request body

​Response body

​Sample response body

​Error codes

​Retrieve interest tier

​URL path parameters

​Response body

​Sample response body

​Error codes

​List interest tiers

​URL query parameters

​Response body

​Sample response body

​Error codes

​Create interest tier rate

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

​Error codes

​Retrieve interest tier rate

​URL path parameters

​Response body

​Sample response body

​Error codes

​List interest tier rates

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​Error codes

​Add account to interest tier

​URL path parameters

​Response body

​Sample response body

​Error codes

​Add accounts to interest tier

​URL path parameters

​Request body

​Sample request body

​Error codes

​Retrieve account interest tier

​URL path parameters

​Response body

​Sample response body

​Error codes

Create interest tier

Request body

Sample request body

Response body

Sample response body

Error codes

Retrieve interest tier

URL path parameters

Response body

Sample response body

Error codes

List interest tiers

URL query parameters

Response body

Sample response body

Error codes

Create interest tier rate

URL path parameters

Request body

Sample request body

Response body

Sample response body

Error codes

Retrieve interest tier rate

URL path parameters

Response body

Sample response body

Error codes

List interest tier rates

URL path parameters

URL query parameters

Response body

Sample response body

Error codes

Add account to interest tier

URL path parameters

Response body

Sample response body

Error codes

Add accounts to interest tier

URL path parameters

Request body

Sample request body

Error codes

Retrieve account interest tier

URL path parameters

Response body

Sample response body

Error codes