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Bank accounts

To transfer money with Moov, you’ll need to link a bank account to your Moov account, then verify that account. You can link a bank account to a Moov account by adding the bank account number and routing number to the account object. We require micro-deposit verification to reduce the risk of fraud or unauthorized activity. You can verify a bank account by initiating micro-deposits, sending two small credit transfers to the bank account you want to confirm. Alternatively, you can link and verify a bank account in one step through an instant account verification token from a third party provider like Plaid or MX.

Add bank account

Link a bank account to an existing Moov account.

Parameters

Name Type
accountID UUID string
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const accountID = accountID;
const bankAccount = {
  "holderName": "Jules Jackson",
  "holderType": "individual",
  "accountNumber": "0004321567000",
  "bankAccountType": "checking",
  "routingNumber": "123456789"
};
moov.accounts.bankAccounts.link({accountID, bankAccount});
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const accountID = accountID;
moov.accounts.bankAccounts.link({plaid: { token: "token"}});

List bank accounts

List all the bank accounts associated with a particular Moov account.

Parameters

Name Type
accountID UUID string
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const accountID = accountID;
moov.accounts.bankAccounts.list({accountID});

Get bank account

Retrieve bank account details (i.e. routing number or account type) associated with a specific Moov account.

Parameters

Name Type
accountID UUID string
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const accountID = accountID;
moov.accounts.bankAccounts.get({accountID});

Disable bank account

Discontinue using a specified bank account linked to a Moov account.

Parameters

Name Type
accountID UUID string
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const accountID = accountID;
moov.accounts.bankAccounts.delete({accountID});

Initiate micro-deposits

tip
Timing: If you request micro-deposits before 4PM ET, they will appear that same day. If you request micro-deposits any time after 4PM ET, they will appear the next banking day.

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.

Parameters

Name Type
accountID UUID string
bankAccountID UUID string
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const accountID = accountID;
const bankAccountID = bankAccountID;
moov.accounts.bankAccounts.startMicroDepositVerification({accountID, bankAccountID});

Complete micro-deposits

Complete the micro-deposit validation process by passing the amounts of the two transfers.

Parameters

Name Type
accountID UUID string
bankAccountID UUID string
amounts number[]
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const accountID = accountID;
const bankAccountID = bankAccountID;
const amounts = [12, 45];
moov.accounts.bankAccounts.completeMicroDepositVerification({accountID, bankAccountID, amounts});