Ask Moov Beta
Generative AI is experimental and can make mistakes.
Guides Use cases API Changelog
  1. API reference
  2. Latest (beta)
  3. Sources
  4. Bank accounts

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.

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 access this endpoint using an access token you'll need to specify the /accounts/{accountID}/bank-accounts.write scope.

POST
/accounts/{accountID}/bank-accounts/{bankAccountID}/micro-deposits
cURL Go .NET Java Ruby TypeScript PHP Python 
curl -X POST "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/micro-deposits" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \

mc, _ := moov.NewClient()

var accountID string
var bankAccountID string

mc.MicroDepositInitiate(ctx, accountID, bankAccountID)

using Moov.Sdk;

var sdk = new MoovClient(xMoovVersion: "<value>");

var res = await sdk.BankAccounts.InitiateMicroDepositsAsync(
    accountID: "ced90412-ebb4-43d4-a171-0a929ed5fb37",
    bankAccountID: "f2b630cc-a8ae-44be-970b-7bed47b2d952"
);

// handle response
package hello.world;

import io.moov.sdk.Moov;
import io.moov.sdk.models.components.Security;
import io.moov.sdk.models.errors.GenericError;
import io.moov.sdk.models.operations.InitiateMicroDepositsResponse;
import java.lang.Exception;

public class Application {

    public static void main(String[] args) throws GenericError, Exception {

        Moov sdk = Moov.builder()
                .xMoovVersion("v2024.01.00")
                .security(Security.builder()
                    .username("")
                    .password("")
                    .build())
            .build();

        InitiateMicroDepositsResponse res = sdk.bankAccounts().initiateMicroDeposits()
                .accountID("ced90412-ebb4-43d4-a171-0a929ed5fb37")
                .bankAccountID("f2b630cc-a8ae-44be-970b-7bed47b2d952")
                .call();

        // handle response
    }
}
require 'moov_ruby'

Models = ::Moov::Models
s = ::Moov::Client.new(
      x_moov_version: 'v2024.01.00',
    )

res = s.bank_accounts.initiate_micro_deposits(account_id: 'ced90412-ebb4-43d4-a171-0a929ed5fb37', bank_account_id: 'f2b630cc-a8ae-44be-970b-7bed47b2d952')

if res.status_code == 200
  # handle response
end
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  xMoovVersion: "v2024.01.00",
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.bankAccounts.initiateMicroDeposits({
    accountID: "ced90412-ebb4-43d4-a171-0a929ed5fb37",
    bankAccountID: "f2b630cc-a8ae-44be-970b-7bed47b2d952",
  });

  console.log(result);
}

run();
declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\MoovPhp;
use Moov\MoovPhp\Models\Components;

$sdk = MoovPhp\Moov::builder()
    ->setXMoovVersion('v2024.01.00')
    ->setSecurity(
        new Components\Security(
            username: '',
            password: '',
        )
    )
    ->build();



$response = $sdk->bankAccounts->initiateMicroDeposits(
    accountID: 'ced90412-ebb4-43d4-a171-0a929ed5fb37',
    bankAccountID: 'f2b630cc-a8ae-44be-970b-7bed47b2d952'

);

if ($response->statusCode === 200) {
    // handle response
}
from moovio_sdk import Moov
from moovio_sdk.models import components


with Moov(
    x_moov_version="v2024.01.00",
    security=components.Security(
        username="",
        password="",
    ),
) as moov:

    res = moov.bank_accounts.initiate_micro_deposits(account_id="ced90412-ebb4-43d4-a171-0a929ed5fb37", bank_account_id="f2b630cc-a8ae-44be-970b-7bed47b2d952")

    # Handle response
    print(res)
204 400 401 403 404 409 429 500 504
The request completed successfully, but there is no content to return.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The server could not understand the request due to invalid syntax.
application/json
Example
{
  "error": "string"
}

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request contained missing or expired authentication.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The user is not authorized to make the request.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The requested resource was not found.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request conflicted with the current state of the target resource.
application/json
Example
{
  "error": "string"
}

Response headers

x-request-id

string required
A unique identifier used to trace requests.
Request was refused due to rate limiting.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request failed due to an unexpected error.

Response headers

x-request-id

string required
A unique identifier used to trace requests.
The request failed because a downstream service failed to respond.

Response headers

x-request-id

string required
A unique identifier used to trace requests.

Headers

X-Moov-Version

string

Specify an API version.

API versioning follows the format vYYYY.QQ.BB, where

  • YYYY is the year
  • QQ is the two-digit month for the first month of the quarter (e.g., 01, 04, 07, 10)
  • BB is the build number, starting at .01, for subsequent builds in the same quarter.
    • For example, v2024.01.00 is the initial release of the first quarter of 2024.

The latest version represents the most recent development state. It may include breaking changes and should be treated as a beta release. When no version is specified, the API defaults to v2024.01.00.

Path parameters

accountID

string required

bankAccountID

string required