Institutions v0.18.0

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Operations related to bank and credit union financial institutions (FIs). This API provides the following features

1. Calculating upcoming dates for transfer schedules, factoring in weekends, non-business days, and banking holidays as determined by the institution,
2. Provide a list of transfer date restrictions: dates when users should not schedule transfers, based on transfer parameters,
3. Look up a financial institution by an FI locator value: either an ABA routing and transit number, an IBAN account number, or a SWIFT/BIC code,
4. Fetching Cutoff times for FI money movement requests.

Some of the operations in this API require an institutionId path parameter. This is the unique alphanumeric code that uniquely identifies a financial institution.

Download OpenAPI Definition (YAML)

Base URLs:

• https://api.apiture.com/banking

Terms of service

Email: Apiture Web: Apiture

License: Apiture API License

Authentication

• API Key (apiKey)
  • header parameter: API-Key
  • API Key based client identification. See details at Secure Access.

• OpenID Connect authentication (accessToken)
  • OpenId Connect (OIDC) authentication/authorization. The client uses the authorization_endpoint and token_endpoint to obtain an access token to pass in the Authorization header. Those endpoints are available via the OIDC Configuration URL. The actual URL may vary with each financial institution. See details at Secure Access.
  • OIDC Configuration URL = https://auth.apiture.com/oidc/.well-known/openid-configuration

Institutions

Banking Institutions

lookUpInstitutionByLocator

Code samples

# You can also use wget
curl -X GET https://api.apiture.com/banking/institutionByLocator?locator=string&locatorType=abaRoutingNumber&countryCode=US \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET https://api.apiture.com/banking/institutionByLocator?locator=string&locatorType=abaRoutingNumber&countryCode=US HTTP/1.1
Host: api.apiture.com
Accept: application/json

const fetch = require('node-fetch');

const headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

fetch('https://api.apiture.com/banking/institutionByLocator?locator=string&locatorType=abaRoutingNumber&countryCode=US',
{
  method: 'GET',

  headers: headers
})
.then(function(res) {
    return res.json();
}).then(function(body) {
    console.log(body);
});

var headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

$.ajax({
  url: 'https://api.apiture.com/banking/institutionByLocator',
  method: 'get',
  data: '?locator=string&locatorType=abaRoutingNumber&countryCode=US',
  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

require 'rest-client'
require 'json'

headers = {
  'Accept' => 'application/json',
  'Authorization' => 'Bearer {access-token}'
}

result = RestClient.get 'https://api.apiture.com/banking/institutionByLocator',
  params: {
  'locator' => 'string(text)',
'locatorType' => '[institutionLocatorType](#schema-institutionLocatorType)',
'countryCode' => 'string'
}, headers: headers

p JSON.parse(result)

import requests
headers = {
  'Accept': 'application/json',
  'Authorization': 'Bearer {access-token}'
}

r = requests.get('https://api.apiture.com/banking/institutionByLocator', params={
  'locator': 'string',  'locatorType': 'abaRoutingNumber',  'countryCode': 'US'
}, headers = headers)

print r.json()

URL obj = new URL("https://api.apiture.com/banking/institutionByLocator?locator=string&locatorType=abaRoutingNumber&countryCode=US");
HttpURLConnection con = (HttpURLConnection) obj.openConnection();
con.setRequestMethod("GET");
int responseCode = con.getResponseCode();
BufferedReader in = new BufferedReader(
    new InputStreamReader(con.getInputStream()));
String inputLine;
StringBuffer response = new StringBuffer();
while ((inputLine = in.readLine()) != null) {
    response.append(inputLine);
}
in.close();
System.out.println(response.toString());

package main

import (
       "bytes"
       "net/http"
)

func main() {

    headers := map[string][]string{
        "Accept": []string{"application/json"},
        "Authorization": []string{"Bearer {access-token}"},
        
    }

    data := bytes.NewBuffer([]byte{jsonReq})
    req, err := http.NewRequest("GET", "https://api.apiture.com/banking/institutionByLocator", data)
    req.Header = headers

    client := &http.Client{}
    resp, err := client.Do(req)
    // ...
}

Look up institution by routing number, IBAN, or SWIFT/BIC code

GET https://api.apiture.com/banking/institutionByLocator

Look up a financial institution by their country code and either American Bankers Association routing number, by International Bank Account Number (IBAN), or by SWIFT Business Identifier Code (BIC) code. Optionally, include a list of intermediary institutions that may be necessary to complete international wire transfers.

Parameters

Example responses

200 Response

{
  "found": true,
  "institution": {
    "name": "First Bank of Andalasia",
    "address": {
      "address1": "239 West Princess Ave.",
      "locality": "Andalasia",
      "regionCode": "NC",
      "countryCode": "US",
      "postalCode": "28407"
    },
    "locator": "503000196",
    "locatorType": "abaRoutingNumber"
  }
}

Responses

Response Schema

Status Code 400

Status Code 401

Status Code 403

Status Code 429

Status Code 4XX

Status Code 5XX

Schedules

Schedules

getTransferSchedule

Code samples

# You can also use wget
curl -X GET https://api.apiture.com/banking/transferSchedule?startsOn=2022-07-04&direction=debit&frequency=once \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET https://api.apiture.com/banking/transferSchedule?startsOn=2022-07-04&direction=debit&frequency=once HTTP/1.1
Host: api.apiture.com
Accept: application/json

const fetch = require('node-fetch');

const headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

fetch('https://api.apiture.com/banking/transferSchedule?startsOn=2022-07-04&direction=debit&frequency=once',
{
  method: 'GET',

  headers: headers
})
.then(function(res) {
    return res.json();
}).then(function(body) {
    console.log(body);
});

var headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

$.ajax({
  url: 'https://api.apiture.com/banking/transferSchedule',
  method: 'get',
  data: '?startsOn=2022-07-04&direction=debit&frequency=once',
  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

require 'rest-client'
require 'json'

headers = {
  'Accept' => 'application/json',
  'Authorization' => 'Bearer {access-token}'
}

result = RestClient.get 'https://api.apiture.com/banking/transferSchedule',
  params: {
  'startsOn' => 'string(date)',
'direction' => '[transferScheduleDirection](#schema-transferScheduleDirection)',
'frequency' => '[transferFrequency](#schema-transferFrequency)'
}, headers: headers

p JSON.parse(result)

import requests
headers = {
  'Accept': 'application/json',
  'Authorization': 'Bearer {access-token}'
}

r = requests.get('https://api.apiture.com/banking/transferSchedule', params={
  'startsOn': '2022-07-04',  'direction': 'debit',  'frequency': 'once'
}, headers = headers)

print r.json()

URL obj = new URL("https://api.apiture.com/banking/transferSchedule?startsOn=2022-07-04&direction=debit&frequency=once");
HttpURLConnection con = (HttpURLConnection) obj.openConnection();
con.setRequestMethod("GET");
int responseCode = con.getResponseCode();
BufferedReader in = new BufferedReader(
    new InputStreamReader(con.getInputStream()));
String inputLine;
StringBuffer response = new StringBuffer();
while ((inputLine = in.readLine()) != null) {
    response.append(inputLine);
}
in.close();
System.out.println(response.toString());

package main

import (
       "bytes"
       "net/http"
)

func main() {

    headers := map[string][]string{
        "Accept": []string{"application/json"},
        "Authorization": []string{"Bearer {access-token}"},
        
    }

    data := bytes.NewBuffer([]byte{jsonReq})
    req, err := http.NewRequest("GET", "https://api.apiture.com/banking/transferSchedule", data)
    req.Header = headers

    client := &http.Client{}
    resp, err := client.Do(req)
    // ...
}

Return this institution's list of upcoming transfer schedule dates

GET https://api.apiture.com/banking/transferSchedule

Return a transfer schedule list for this institution.

Parameters

Example responses

200 Response

{
  "items": [
    {
      "scheduledOn": "2022-06-27",
      "effectiveOn": "2022-06-27"
    },
    {
      "scheduledOn": "2022-07-04",
      "effectiveOn": "2022-07-05"
    },
    {
      "scheduledOn": "2022-07-11",
      "effectiveOn": "2022-07-11"
    },
    {
      "scheduledOn": "2022-07-18",
      "effectiveOn": "2022-07-18"
    },
    {
      "scheduledOn": "2022-07-25",
      "effectiveOn": "2022-07-25"
    },
    {
      "scheduledOn": "2022-08-01",
      "effectiveOn": "2022-07-01"
    }
  ]
}

Responses

Response Schema

Status Code 400

Status Code 401

Status Code 403

Status Code 404

Status Code 429

Status Code 4XX

Status Code 5XX

listCutoffTimes

Code samples

# You can also use wget
curl -X GET https://api.apiture.com/banking/cutoffTimes \
  -H 'Accept: application/json' \
  -H 'If-None-Match: string' \
  -H 'Authorization: Bearer {access-token}'

GET https://api.apiture.com/banking/cutoffTimes HTTP/1.1
Host: api.apiture.com
Accept: application/json
If-None-Match: string

const fetch = require('node-fetch');

const headers = {
  'Accept':'application/json',
  'If-None-Match':'string',
  'Authorization':'Bearer {access-token}'

};

fetch('https://api.apiture.com/banking/cutoffTimes',
{
  method: 'GET',

  headers: headers
})
.then(function(res) {
    return res.json();
}).then(function(body) {
    console.log(body);
});

var headers = {
  'Accept':'application/json',
  'If-None-Match':'string',
  'Authorization':'Bearer {access-token}'

};

$.ajax({
  url: 'https://api.apiture.com/banking/cutoffTimes',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

require 'rest-client'
require 'json'

headers = {
  'Accept' => 'application/json',
  'If-None-Match' => 'string',
  'Authorization' => 'Bearer {access-token}'
}

result = RestClient.get 'https://api.apiture.com/banking/cutoffTimes',
  params: {
  }, headers: headers

p JSON.parse(result)

import requests
headers = {
  'Accept': 'application/json',
  'If-None-Match': 'string',
  'Authorization': 'Bearer {access-token}'
}

r = requests.get('https://api.apiture.com/banking/cutoffTimes', params={

}, headers = headers)

print r.json()

URL obj = new URL("https://api.apiture.com/banking/cutoffTimes");
HttpURLConnection con = (HttpURLConnection) obj.openConnection();
con.setRequestMethod("GET");
int responseCode = con.getResponseCode();
BufferedReader in = new BufferedReader(
    new InputStreamReader(con.getInputStream()));
String inputLine;
StringBuffer response = new StringBuffer();
while ((inputLine = in.readLine()) != null) {
    response.append(inputLine);
}
in.close();
System.out.println(response.toString());

package main

import (
       "bytes"
       "net/http"
)

func main() {

    headers := map[string][]string{
        "Accept": []string{"application/json"},
        "If-None-Match": []string{"string"},
        "Authorization": []string{"Bearer {access-token}"},
        
    }

    data := bytes.NewBuffer([]byte{jsonReq})
    req, err := http.NewRequest("GET", "https://api.apiture.com/banking/cutoffTimes", data)
    req.Header = headers

    client := &http.Client{}
    resp, err := client.Do(req)
    // ...
}

Return the financial institution's cutoff times for products

GET https://api.apiture.com/banking/cutoffTimes

Return daily cutoff times for different money movement processes at a financial institution. Money movement requests (account to account transfers, ACH, wire transfers, etc.) must be submitted before the cutoff time in order for the financial institution to begin processing the request that day. Some cutoff time types may have multiple cutoff times per day.

Cutoff times are very slowly changing data. This is a conditional operation when the If-None-Match header is used. If the client has a getCutoffTimes response and the ETag returned from a previous call to this operation, this operation returns a 304 Not Modified when called again if the cutoff times have not changed.

Parameters

Example responses

200 Response

{
  "timeZoneId": "America/New_York",
  "items": [
    {
      "type": "ach",
      "time": "13:45"
    },
    {
      "type": "ach",
      "time": "16:45"
    },
    {
      "type": "sameDayAch",
      "time": "16:45"
    },
    {
      "type": "domesticWireTransfer",
      "time": "16:45"
    }
  ]
}

Responses

Response Schema

Status Code 400

Status Code 401

Status Code 403

Status Code 404

Status Code 429

Status Code 4XX

Status Code 5XX

listTransferDateRestrictions

Code samples

# You can also use wget
curl -X GET https://api.apiture.com/banking/transferDateRestrictions \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET https://api.apiture.com/banking/transferDateRestrictions HTTP/1.1
Host: api.apiture.com
Accept: application/json

const fetch = require('node-fetch');

const headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

fetch('https://api.apiture.com/banking/transferDateRestrictions',
{
  method: 'GET',

  headers: headers
})
.then(function(res) {
    return res.json();
}).then(function(body) {
    console.log(body);
});

var headers = {
  'Accept':'application/json',
  'Authorization':'Bearer {access-token}'

};

$.ajax({
  url: 'https://api.apiture.com/banking/transferDateRestrictions',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

require 'rest-client'
require 'json'

headers = {
  'Accept' => 'application/json',
  'Authorization' => 'Bearer {access-token}'
}

result = RestClient.get 'https://api.apiture.com/banking/transferDateRestrictions',
  params: {
  }, headers: headers

p JSON.parse(result)

import requests
headers = {
  'Accept': 'application/json',
  'Authorization': 'Bearer {access-token}'
}

r = requests.get('https://api.apiture.com/banking/transferDateRestrictions', params={

}, headers = headers)

print r.json()

URL obj = new URL("https://api.apiture.com/banking/transferDateRestrictions");
HttpURLConnection con = (HttpURLConnection) obj.openConnection();
con.setRequestMethod("GET");
int responseCode = con.getResponseCode();
BufferedReader in = new BufferedReader(
    new InputStreamReader(con.getInputStream()));
String inputLine;
StringBuffer response = new StringBuffer();
while ((inputLine = in.readLine()) != null) {
    response.append(inputLine);
}
in.close();
System.out.println(response.toString());

package main

import (
       "bytes"
       "net/http"
)

func main() {

    headers := map[string][]string{
        "Accept": []string{"application/json"},
        "Authorization": []string{"Bearer {access-token}"},
        
    }

    data := bytes.NewBuffer([]byte{jsonReq})
    req, err := http.NewRequest("GET", "https://api.apiture.com/banking/transferDateRestrictions", data)
    req.Header = headers

    client := &http.Client{}
    resp, err := client.Do(req)
    // ...
}

Return the financial institution's transfer dates restrictions

GET https://api.apiture.com/banking/transferDateRestrictions

Return the transfer date restrictions for a date range and transfer parameters. The result is a list of days and dates that the financial institution does not allow scheduling specific types of transfers.

This information provides hints to clients, allowing bank customers to select transfer dates from a calendar picker. However, these dates are not strictly enforced; a transfer can still be scheduled to occur on restricted dates but the financial institution may shift the date when funds are drafted to account for holidays, closures, or to adjust based on the risk level of the funding account.

Parameters

Example responses

200 Response

{
  "restrictedDates": [
    {
      "occursOn": "2022-10-01",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-02",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-03",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-04",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-05",
      "reason": "pastCutoffTime"
    },
    {
      "occursOn": "2022-10-06",
      "reason": "riskRestricted"
    },
    {
      "occursOn": "2022-10-07",
      "reason": "riskRestricted"
    },
    {
      "occursOn": "2022-10-08",
      "reason": "closure",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-09",
      "reason": "closure",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-10",
      "reason": "holiday",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-15",
      "reason": "closure",
      "debitOn": "2022-10-14"
    },
    {
      "occursOn": "2022-10-16",
      "reason": "closure",
      "debitOn": "2022-10-14"
    },
    {
      "occursOn": "2022-10-22",
      "reason": "closure",
      "debitOn": "2022-10-21"
    },
    {
      "occursOn": "2022-10-23",
      "reason": "closure",
      "debitOn": "2022-10-21"
    },
    {
      "occursOn": "2022-10-29",
      "reason": "closure",
      "debitOn": "2022-10-28"
    },
    {
      "occursOn": "2022-10-30",
      "reason": "closure",
      "debitOn": "2022-10-28"
    }
  ],
  "accuracyEndsOn": "2026-12-31"
}

Responses

Response Schema

Status Code 400

Status Code 401

Status Code 403

Status Code 404

Status Code 429

Status Code 4XX

Status Code 5XX

Schemas

achAccountRisk

"early"

ACH Account Risk (v1.0.0)

Describes the risk level of a payment batch's settlement account.

achAccountRisk strings may have one of the following enumerated values:

type: string

enum values: early, normal, float, sameDay

address

{
  "address1": "1805 Tiburon Dr.",
  "address2": "Building 14, Suite 1500",
  "locality": "Wilmington",
  "regionCode": "NC",
  "countryCode": "US",
  "postalCode": "28403"
}

Address (v1.6.0)

A postal address that can hold a US address or an international (non-US) postal addresses.

Properties

apiProblem

{
  "id": "3fbad566-be86-4b22-9ba6-3ca99fdc0799",
  "type": "https://production.api.apiture.com/errors/accountNotFound/v1.0.0",
  "title": "Account Not Found",
  "status": 422,
  "occurredAt": "2022-04-25T12:42:21.375Z",
  "detail": "No account exists at the given account_url",
  "instance": "https://production.api.apiture.com/banking/transfers/bb709151-575041fcd617"
}

API Problem (v1.2.1)

API problem or error, as per RFC 7807 application/problem+json.

Properties

challengeFactor

{
  "type": "sms",
  "labels": [
    "9876"
  ]
}

Challenge Factor (v1.2.1)

An challenge factor. See requiredIdentityChallenge for multiple examples.

Properties

challengeFactorId

"string"

Challenge Factor ID (v1.0.0)

The ID of an a challenge factor. This ID is unique within the factors offered with a challenge.

type: string

minLength: 3
maxLength: 48
pattern: "^[-a-zA-Z0-9$_]{3,48}$"

challengeFactorType

"sms"

Challenge Factor Type (v1.0.0)

The name of challenge factor.

challengeFactorType strings may have one of the following enumerated values:

type: string

enum values: sms, email, voice, securityQuestions, authenticatorToken

challengeOperationId

"string"

Challenge Operation ID (v1.0.1)

The ID of an operation/action for which the user must verify their identity via an identity challenge. This is passed when starting a challenge factor or when validating the identity challenge responses.

type: string

minLength: 6
maxLength: 48
pattern: "^[-a-zA-Z0-9$_]{6,48}$"

challengePromptId

"string"

Challenge Prompt ID (v1.0.0)

The unique ID of a prompt (such as a security question) in a challenge factor.

type: string

minLength: 1
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]+$"

challengeSecurityQuestion

{
  "id": "74699fa628911e762ea5",
  "prompt": "What is your mother's maiden name?"
}

Challenge Security Question (v1.0.1)

A single security question within the questions array of the challengeSecurityQuestions

Properties

challengeSecurityQuestions

{
  "questions": [
    {
      "id": "q1",
      "prompt": "What is your mother's maiden name?"
    },
    {
      "id": "q4",
      "prompt": "What is your high school's name?"
    },
    {
      "id": "q9",
      "prompt": "What is the name of your first pet?"
    }
  ]
}

Challenge Security Questions (v1.0.1)

Describes a securityQuestions challenge. This is omitted if the challenge type is not securityQuestions.

Properties

cutoffTime

{
  "type": "ach",
  "time": "16:45"
}

Cutoff Time (v1.1.0)

A representation of a cutoff time for a money movement process at a financial institution.

Properties

cutoffTimeType

"ach"

Cutoff Time Type (v1.1.0)

Indicates the type of a cutoff time.

cutoffTimeType strings may have one of the following enumerated values:

type: string

enum values: ach, sameDayAch, nachaPassThrough, domesticWireTransfer, internationalWireTransfer, internalTransfer, externalTransfer, billPay

cutoffTimes

{
  "timeZoneId": "America/New_York",
  "items": [
    {
      "type": "ach",
      "time": "13:45"
    },
    {
      "type": "ach",
      "time": "16:45"
    },
    {
      "type": "sameDayAch",
      "time": "16:45"
    },
    {
      "type": "domesticWireTransfer",
      "time": "16:45"
    }
  ]
}

Cutoff Times (v1.4.0)

A representation of financial institution cutoff times for different money movement processes. A money movement process can have multiple cutoff times. The cutoff times are sorted in ascending chronological order by money movement process.

Properties

institutionLocatorType

"abaRoutingNumber"

Institution Locator Type (v1.0.0)

Indicates the type of the institution locator.

institutionLocatorType strings may have one of the following enumerated values:

type: string

enum values: abaRoutingNumber, swiftBicCode, ibanAccountNumber

institutionLookupResult

{
  "found": true,
  "institution": {
    "name": "First Bank of Andalasia",
    "address": {
      "address1": "239 West Princess Ave.",
      "locality": "Andalasia",
      "regionCode": "NC",
      "countryCode": "US",
      "postalCode": "28407"
    },
    "locator": "503000196",
    "locatorType": "abaRoutingNumber"
  }
}

Institution Lookup Result (v1.1.0)

Successful institution lookup result.

Properties

problemResponse

{
  "id": "3fbad566-be86-4b22-9ba6-3ca99fdc0799",
  "type": "https://production.api.apiture.com/errors/noSuchAccount/v1.0.0",
  "title": "Account Not Found",
  "status": 422,
  "occurredAt": "2022-04-25T12:42:21.375Z",
  "detail": "No account exists for the given account reference",
  "instance": "https://production.api.apiture.com/banking/transfers/bb709151-575041fcd617"
}

Problem Response (v0.4.1)

API problem or error response, as per RFC 9457 application/problem+json.

Properties

readOnlyResourceId

"string"

Read-only Resource Identifier (v1.0.1)

The unique, opaque system-assigned identifier for a resource. This case-sensitive ID is also used in URLs as path parameters or in other properties or parameters that reference a resource by ID rather than URL. Resource IDs are immutable.

type: string

read-only
minLength: 6
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]{6,48}$"

readOnlyTimestamp

"2021-10-30T19:06:04.250Z"

Read-Only Timestamp (v1.0.0)

A readonly or derived timestamp (an instant in time) formatted in RFC 3339 date-time UTC format: YYYY-MM-DDThh:mm:ss.sssZ.

type: string(date-time)

read-only
format: date-time
minLength: 20
maxLength: 30

requiredIdentityChallenge

{
  "operationId": "createTransfer",
  "challengeId": "0504076c566a3cf7009c",
  "factors": [
    {
      "type": "sms",
      "labels": [
        "9876"
      ],
      "id": "85c0ee5753fcd0b0953f"
    },
    {
      "type": "voice",
      "labels": [
        "9876"
      ],
      "id": "d089e10a80a8627df37b"
    },
    {
      "type": "voice",
      "labels": [
        "6754"
      ],
      "id": "10506ecf9d1c2ee00403"
    },
    {
      "type": "email",
      "labels": [
        "an****nk@example.com",
        "an****98@example.com"
      ],
      "id": "e917d671cb2f030b56f1"
    },
    {
      "type": "authenticatorToken",
      "labels": [
        "Acme fob"
      ],
      "id": "fe6c452d7da0bbb4e407"
    },
    {
      "type": "securityQuestions",
      "securityQuestions": {
        "questions": [
          {
            "id": "q1",
            "prompt": "What is your mother's maiden name?"
          },
          {
            "id": "q4",
            "prompt": "What is your high school's name?"
          },
          {
            "id": "q9",
            "prompt": "What is the name of your first pet?"
          }
        ]
      },
      "id": "df33c6f88a37d6b3f0a6"
    }
  ]
}

Required Challenge (v1.2.3)

A request from the service for the user to verify their identity. This contains a challenge ID, the corresponding operation ID, and a list of challenge factors for identity verification. The user must complete one of these challenge factors to satisfy the challenge. This schema defines the attributes in the 401 Unauthorized problem response when the 401 problem type name is challengeRequired. See the "Challenge API" for details.

Properties

resourceId

"string"

Resource Identifier (v1.0.1)

The unique, opaque system identifier for a resource. This case-sensitive ID is also used as path parameters in URLs or in other properties or parameters that reference a resource by ID rather than URL.

type: string

minLength: 6
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]{6,48}$"

simpleInstitution

{
  "name": "First Bank of Andalasia",
  "locator": "503000196",
  "locatorType": "abaRoutingNumber",
  "address": {
    "address1": "239 West Princess Ave.",
    "locality": "Andalasia",
    "regionCode": "NC",
    "countryCode": "US",
    "postalCode": "28407"
  }
}

Simple Institution (v1.1.0)

A simple representation of a financial institution.

Properties

timeZoneId

"America/New_York"

Time Zone Identifier or Offset (v1.3.0)

A time zone. This may be either a time zone identifier/TZ Identifier (as described by RFC 7808) in the list of time zones, or a time zone offset from UTC in the form [-+]HH:MM. Localized abbreviations, such as EST and EDT, are also allowed.

type: string(text)

format: text
maxLength: 36

transferDateRestriction

{
  "occursOn": "2022-10-10",
  "reason": "holiday",
  "debitOn": "2022-10-07"
}

Transfer Date Restriction (v1.0.0)

A date where a transfer restriction occurs, and the reason it is restricted. If the reason is holiday, closure and the transfer is an ACH transfer, the object also contains either a debitOn or creditOn date or both.

Properties

transferDateRestrictionType

"pastDate"

Transfer Date Restriction Type (v1.0.0)

Indicates why a transfer date is restricted.

transferDateRestrictionType strings may have one of the following enumerated values:

type: string

enum values: pastDate, pastCutoffTime, riskRestricted, holiday, closure, other

transferDateRestrictions

{
  "restrictedDates": [
    {
      "occursOn": "2022-10-01",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-02",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-03",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-04",
      "reason": "pastDate"
    },
    {
      "occursOn": "2022-10-05",
      "reason": "pastCutoffTime"
    },
    {
      "occursOn": "2022-10-06",
      "reason": "riskRestricted"
    },
    {
      "occursOn": "2022-10-07",
      "reason": "riskRestricted"
    },
    {
      "occursOn": "2022-10-08",
      "reason": "closure",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-09",
      "reason": "closure",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-10",
      "reason": "holiday",
      "debitOn": "2022-10-07"
    },
    {
      "occursOn": "2022-10-15",
      "reason": "closure",
      "debitOn": "2022-10-14"
    },
    {
      "occursOn": "2022-10-16",
      "reason": "closure",
      "debitOn": "2022-10-14"
    },
    {
      "occursOn": "2022-10-22",
      "reason": "closure",
      "debitOn": "2022-10-21"
    },
    {
      "occursOn": "2022-10-23",
      "reason": "closure",
      "debitOn": "2022-10-21"
    },
    {
      "occursOn": "2022-10-29",
      "reason": "closure",
      "debitOn": "2022-10-28"
    },
    {
      "occursOn": "2022-10-30",
      "reason": "closure",
      "debitOn": "2022-10-28"
    }
  ],
  "accuracyEndsOn": "2026-12-31"
}

Transfer Date Restrictions (v1.0.0)

A list of the financial institution's transfer date restrictions. This is a list of weekdays and specific dates when the institution cannot perform the requested transfers. The response may include dates prior to requested the start date, as that is useful for populating a calendar that shows the current month and the last few days of the previous month.

Properties

transferFrequency

"once"

Transfer Frequency (v1.0.0)

For recurring transfers, the interval at which the money movement recurs.

transferFrequency strings may have one of the following enumerated values:

type: string

enum values: once, occasional, daily, weekly, biweekly, semimonthly, monthly, monthlyFirstDay, monthlyLastDay, bimonthly, quarterly, semiyearly, yearly

transferScheduleDirection

"debit"

Transfer Schedule Direction (v1.0.0)

Provides the direction in which a transfer flows.

transferScheduleDirection strings may have one of the following enumerated values:

type: string

enum values: debit, credit, both

transferScheduleItem

{
  "scheduledOn": "2022-07-04",
  "effectiveOn": "2022-07-05"
}

Transfer Schedule Item (v1.0.0)

Summary representation of a transfer schedule resource in transfer schedule list.

Properties

transferSchedules

{
  "items": [
    {
      "scheduledOn": "2022-06-27",
      "effectiveOn": "2022-06-27"
    },
    {
      "scheduledOn": "2022-07-04",
      "effectiveOn": "2022-07-05"
    },
    {
      "scheduledOn": "2022-07-11",
      "effectiveOn": "2022-07-11"
    },
    {
      "scheduledOn": "2022-07-18",
      "effectiveOn": "2022-07-18"
    },
    {
      "scheduledOn": "2022-07-25",
      "effectiveOn": "2022-07-25"
    },
    {
      "scheduledOn": "2022-08-01",
      "effectiveOn": "2022-07-01"
    }
  ]
}

Transfer Schedule List (v1.0.1)

List of transfer methods. The items in the list are ordered in the items array.

Note: The service only knows bank holidays for about two to four years in advance. Dates beyond the accuracyEndsOn date in the listTransferDateRestrictions response may not include holidays (only weekends or other institution closures.)

Properties

transferTypeForDateRestrictions

"internal"

Transfer Restriction Transfer Type (v1.1.0)

Indicates the type of transfer. This determines what business rules and adjustments to make to the date restrictions.

transferTypeForDateRestrictions strings may have one of the following enumerated values:

type: string

default: "internal"
enum values: internal, external, ach, achDebit, achCredit, domesticWireTransfer, internationalWireTransfer