Initiate bank account verification

Instant micro-deposit verification offers a quick and efficient way to verify bank account ownership. Send a $0.01 credit with a unique verification code via RTP or same-day ACH, depending on the receiving bank’s capabilities. This feature provides a faster alternative to traditional methods, allowing verification in a single session.

It is recommended to use the X-Wait-For: rail-response header to synchronously receive the outcome of the instant credit in the response payload.

Possible verification methods:

instant: Real-time verification credit sent via RTP
ach: Verification credit sent via same-day ACH

Possible statuses:

new: Verification initiated, credit pending
sent-credit: Credit sent, available for verification in the external bank account
failed: Verification failed due to credit rejection/return, details in exceptionDetails

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

POST

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

cURL Go

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

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mc, _ := moov.NewClient()

var accountID string
var bankAccountID string

mc.InstantVerificationInitiate(ctx, accountID, bankAccountID)

200 404 429

Bank Account Verification has been initiated.

{
  "status": "new",
  "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

Headers

X-Wait-For


      string

Optional header to wait for certain events, such as the rail response, to occur before returning a response.

When this header is set to rail-response, the endpoint will wait for a sent-credit or failed status from the payment rail.

Possible values: payment-method, rail-response

Path parameters

accountID


      string
      <uuid>

required

ID of the account.

bankAccountID


      string
      <uuid>

required

ID of the bank account

Response

application/json

status


        string<enum>

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

verificationMethod


        string<enum>

Possible values: instant, ach