Complete bank account verification

Finalize the instant micro-deposit verification by submitting the verification code displayed in the user’s bank account. Upon successful verification, the bank account status will be updated to verified and eligible for ACH debit transactions.

The following formats are accepted:

MV0000
mv0000
0000

To use this endpoint from the browser, you’ll need to specify the /accounts/{accountID}/bank-accounts.write scope when generating a token.

PUT

/accounts/{accountID}/bank-accounts/{bankAccountID}/verify

cURL Go

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curl -X PUT "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/verify" \
  -H "Authorization: Bearer {token}" \
  --data-raw '{
    "code":"MV1234"
  }'\

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mc, _ := moov.NewClient()

var accountID string
var bankAccountID string

mc.InstantVerificationComplete(ctx, accountID, bankAccountID, "MV1234")

200 404 409 429

Bank Account Verification

{
  "status": "successful",
  "verificationMethod": "instant"
}

No account with the specified accountID was found or verification code has not been sent for the source.

The code provided was incorrect or the bank account is in an unexpected state.

Request was refused due to rate limiting.

Retry-After


      number

Path parameters

accountID


      string
      <uuid>

required

ID of the account.

bankAccountID


      string
      <uuid>

required

ID of the bank account

Body

application/json

code


        string

Code provided by user from their bank account transactions

Response

application/json

exceptionDetails


        object

Reason for, and details related to, an errored or verificationFailed bank account status.

Show child attributes

achReturnCode


        string<enum>

The return code of an ACH transaction that caused the bank account status to change.

Codes:

R02 - Account Closed
R03 - No Account/Unable to Locate Account
R04 - Invalid Account Number
R05 - Improper Debit to Consumer Account
R07 - Authorization Revoked by Customer
R08 - Payment Stopped
R10 - Customer Advises Originator is Not Known or Authorized to Receiver and
R11 - Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12 - Branch Sold to Another DFI
R13 - RDFI not qualified to participate
R14 - Representative payee deceased or unable to continue in that capacity
R15 - Beneficiary or bank account holder
R16 - Bank account frozen
R17 - Entry with Invalid Account Number Initiated Under Questionable Circumstances
R20 - Non-payment bank account
R23 - Credit entry refused by receiver
R29 - Corporate customer advises not authorized
R34 - Limited participation RDFI
R38 - Stop Payment on Source Document (Adjustment Entry)
R39 - Improper Source Document

Possible values: R02, R03, R04, R05, R07, R08, R10, R11, R12, R13, R14, R15, R16, R17, R20, R23, R29, R34, R38, R39

description


        string

Details related to an errored or verificationFailed bank account status.

rtpRejectionCode


        string<enum>

The rejection code of an RTP transaction that caused the bank account status to change.

Codes:

AC03 - Account Invalid
AC04 - Account Closed
AC06 - Account Blocked
AC14 - Creditor Account Type Invalid
AG01 - Transactions Forbidden On Account
AG03 - Transaction Type Not Supported
MD07 - Customer Deceased

Possible values: AC03, AC04, AC06, AC14, AG01, AG03, MD07

status


        string<enum>

Possible values: new, sent-credit, max-attempts-exceeded, failed, expired, successful

verificationMethod


        string<enum>

Possible values: instant, ach