Get bank account verification

Retrieve the current status and details of an instant verification, including whether the verification method was instant or same-day ACH. This helps track the verification process in real-time and provides details in case of exceptions.

The status will indicate the following:

new: Verification initiated, credit pending to the payment network
sent-credit: Credit sent, available for verification
failed: Verification failed, description provided, user needs to add a new bank account
expired: Verification expired after 14 days, initiate another verification
max-attempts-exceeded: Five incorrect code attempts exhausted, initiate another verification

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

GET

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

cURL

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curl -X GET "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/verify" \
  -H "Authorization: Bearer {token}" \

200 404 429

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.

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

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