# Initiate bank account verification

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

API version: `v2026.10.00`. Send `X-Moov-Version: v2026.10.00` to get the behavior described here.

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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, FedNow, 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 or FedNow
  - `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 access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/) 
you'll need to specify the `/accounts/{accountID}/bank-accounts.write` scope.

## Parameters

| Name | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `X-Moov-Version` | header | string |  | Set this header to v2026.10.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, the earliest supported version, which may not match the behavior documented here. An unrecognized well-formed version uses the latest supported version that is not newer than the requested version, when one exists. For example, `v2026.08.00` uses `v2026.07.00`. A malformed value, such as `2022`, returns a `404` response. Values: `v2026.10.00`. |
| `x-wait-for` | header | 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. Values: `payment-method`, `rail-response`. |
| `accountID` | path | string | Yes |  |
| `bankAccountID` | path | string | Yes |  |

## Response 200

The request completed successfully.

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `verificationMethod` | string | Yes | Values: `instant`, `ach`. |
| `status` | string | Yes | Values: `new`, `sent-credit`, `max-attempts-exceeded`, `failed`, `expired`, `successful`. |

## Errors

| Status | Meaning |
| --- | --- |
| 400 | The server could not understand the request due to invalid syntax. |
| 401 | The request contained missing or expired authentication. |
| 403 | The user is not authorized to make the request. |
| 404 | The requested resource was not found. |
| 409 | The request conflicted with the current state of the target resource. |
| 429 | Request was refused due to rate limiting. |
| 500 | The request failed due to an unexpected error. |
| 504 | The request failed because a downstream service failed to respond. |

## Examples

### cURL

```bash
curl -X POST "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/verify" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.10.00"
```

### Typescript (SDK)

```typescript
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.bankAccounts.initiateVerification({
    accountID: "9d6d433b-c13a-48d7-849a-1897fa71375b",
    bankAccountID: "bd092468-393d-4ee0-85a8-48238fee70d2",
  });

  console.log(result);
}

run();
```

Full reference with SDK examples in every language: https://docs.moov.io/api/v2026.10.00/sources/bank-accounts/initiate-bank-account-verification/