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The Accounts API is a set of basic services used to retrieve and manage the information related to any and all accounts held by a customer with a specific financial institution (FI).
An account represents a contract between a customer and a financial institution. A customer opens an account with a bank or credit union (such as a checking, savings, loan, or line of credit account) and enters into a contractual relationship with the FI.
- Check account status and balance.
- Ensure sufficent funds for purchases
- Review posted transactions, such as checks and deposits.
- Provide the account holder with a quick review of account status.
- Send alerts based on balance limits.
- Identify opportunities for upselling
- Ensure validity of transfers
Value
The Accounts service enables customers to:
- Check account status and balance
- Ensure sufficient funds for purchases
- Review posted transactions such as checks and deposits
It enables developers to:
- Provide the customer with quick review of account status
- Send alerts based on balance limits
- Identify opportunities for up-selling
- Ensure validity of transfers
What is Supported?
The Accounts API technical documentation in the API Specs describes all the endpoints (ways to call the API with different parameters to execute different actions). The following is a simplified list of what the API can be used to do:
Get accounts: Returns data from all accounts held by the customer with the FI
- Returns Cross Accounts as well, by default
- Can be filtered to return only accounts of a selected category (i.e. DEPOSIT, LOAN, etc.)
- Accounts belonging to recipients of intra-FI transfers, set up by the primary customer, can be requested
- Accounts belonging to a particular Business Banking entity, known as a "location", can be requested
- Business Banking accounts can be grouped together, retrieved per group, and certain specified groups returned
GET Account - Returns data from a single, requested account
Additional Product Details
(NOTE: DIIS is the Digital Insight Interface Specification, the markup language used by our services to exchange data with host systems via our interfaces.)
