ACH error (R29)

Verifying a bank account may result in an ACH return code R29 "corporate customer advises not authorized", causing bank accounts to become errored. Approved accounts can use the attestation endpoints (supported on Moov API v2026.10.00 and higher) to reset the bank account back to a verified status by attesting the end user has reauthorized debits.

Get attestation

To view all authorization attestations associated with a bank account, use the get attestations endpoint.

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

The response will include the details of all authorization attestations.

[
  {
    "attestationID": "string",
    "description": "string",
    "createdOn": "2026-05-15T14:30:00Z",
    "attestedAt": "2026-05-05"
  }
]

Get attestation eligibility

All Moov accounts can check eligibility, but only approved accounts can submit a new authorization attestation. You can check whether a bank account is currently eligible for a new authorization attestation with the eligibility endpoint.

The request takes an attestedAt query parameter (YYYY-MM-DD format), which represents the date to check eligibility against. If attestedAt is not provided, it defaults to the current date.

curl -X GET "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/attestations-eligibility" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.10.00"

The response will identify if the account is enabled for authorization attestation and if it's currently eligible to receive a new authorization attestation.

{
  "enabled": true,
  "eligible": true
}

Submit attestation

If the account is enabled and eligible, a new authorization attestation can be submitted with the submit attestation endpoint.

You must submit an attestation with the date the authorization was obtained and a brief description of how the authorization was obtained. If the attestation is accepted, the bank account transitions from errored to verified.

curl -X POST "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/attestations" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.10.00" \
  -d '{
    "attestedAt": "2026-05-15",
    "description": "string"
}'

You can check the bank account's status with the retrieve a bank account endpoint. The response will include the bank account's status.

 1{
 2  "bankAccountID": "833fa3ef-14d3-4c97-ba45-6af66f739832",
 3  "bankAccountType": "checking",
 4  "bankName": "Big Bank",
 5  "fingerprint": "dd4cbfe5fbaf47b392770b5b595bec604fd99394749b7d017153e2b9cfbea40e",
 6  "holderName": "John Doe",
 7  "holderType": "individual",
 8  "lastFourAccountNumber": "6789",
 9  "routingNumber": "123456780",
10  "status": "verified",
11  "statusReason": "bank-account-created",
12  "updatedOn": "2026-12-31T22:37:06Z"
13}