Initiate micro-deposits

Micro-deposits help confirm bank account ownership, helping reduce fraud and the risk of unauthorized activity. Use this method to initiate the micro-deposit verification, sending two small credit transfers to the bank account you want to confirm.

If you request micro-deposits before 4:15PM ET, they will appear that same day. If you request micro-deposits any time after 4:15PM ET, they will appear the next banking day. When the two credits are initiated, Moov simultaneously initiates a debit to recoup the micro-deposits.

sandbox - Micro-deposits initiated for a sandbox bank account will always be $0.00 / $0.00 and instantly verifiable once initiated.

You can simulate micro-deposit verification in test mode. See our test mode guide for more information.

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}/micro-deposits

204 404 422 429

Micro-deposits successfully initiated.

No account with the specified accountID was found.

The bank account is not a bank account or is already pending verification.

Request was refused due to rate limiting.

X-Retry-In


      string
      <duration>

How long (in milliseconds) to wait until able to retry the request.

Path parameters

accountID


      string
      <uuid>

required

ID of the account.

bankAccountID


      string
      <uuid>

required

ID of the bank account