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. For more context, read our bank accounts guide.

Link

Link a bank account to a Moov account The BANK_ACCOUNTS_WRITE scope enum is required when making a request from the browser.

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bankaccounts.link(accountID, bankAccount, plaidToken, mxAuthorizationCode)

Parameters

Name	Type	Description
accountID	`string`	Account on which to add the bank account
bankAccount	BankAccountAdd	Optional bank account details
plaidToken	`string`	Optional Plaid processor token
mxAuthorizationCode	`string`	Optional Plaid processor authorization code

Returns

Promise.<BankAccount>

Get

Retrieve bank account details (i.e. routing number or account type) associated with a specific Moov account. The BANK_ACCOUNTS_READ scope enum is required when making a request from the browser.

1

bankaccounts.get(accountID, bankAccountID)

Parameters

Name	Type	Description
accountID	`string`	Account on which to request bank account
bankAccountID	`string`	ID of the bank account to retrieve

Returns

Promise.<BankAccount>

List

List all the bank accounts associated with a particular Moov account. The BANK_ACCOUNTS_READ scope enum is required when making a request from the browser.

1

bankaccounts.list(accountID)

Parameters

Name	Type	Description
accountID	`string`	Account on which to request bank account

Returns

Promise.<Array.<BankAccount>>

Disable

Discontinue using a specified bank account linked to a Moov account. The BANK_ACCOUNTS_WRITE scope enum is required when making a request from the browser.

1

bankaccounts.disable(accountID, bankAccountID)

Parameters

Name	Type	Description
accountID	`string`	Account on which to request bank account
bankAccountID	`string`	ID of the bank account to disable

Returns

Promise.<void>

InitMicroDeposits

Initiate a micro deposit for a bank account linked to a Moov account. The BANK_ACCOUNTS_WRITE scope enum is required when making a request from the browser.

1

bankaccounts.initMicroDeposits(accountID, bankAccountID)

Parameters

Name	Type	Description
accountID	`string`	Account on which to request bank account
bankAccountID	`string`	ID of the bank account to disable

Returns

Promise.<void>

CompleteMicroDeposits

Complete the micro-deposit validation process by passing the amounts of the two transfers. The BANK_ACCOUNTS_WRITE scope enum is required when making a request from the browser.

1

bankaccounts.completeMicroDeposits(accountID, bankAccountID, amounts)

Parameters

Name	Type	Description
accountID	`string`	Account on which to request bank account
bankAccountID	`string`	ID of the bank account to disable
amounts	`Array.<number>`	Array of two positive integers, in cents, equal to the values of the micro-deposits sent to the bank account.

Returns

Promise.<void>

Types

BankAccount

Describes a Bank Account.

Properties

Property	Type	Description
bankAccountID	`string`	Bank Account identifier
fingerprint	`string`	Fingerprint of Bank Account
status	BANK_ACCOUNT_STATUS	The bank account status
holderName	`string`	Name of the bank account holder
holderType	BANK_ACCOUNT_HOLDER_TYPE	The type of holder on a funding source
bankName	`string`	Name of the bank
bankAccountType	BANK_ACCOUNT_TYPE	The bank account type
routingNumber	`string`	Bank account routing number
lastFourAccountNumber	`string`	Last four digits of the bank account number

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{
  "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
  "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
  "status": "new",
  "holderName": "Jules Jackson",
  "holderType": "individual",
  "bankName": "Chase Bank",
  "bankAccountType": "checking",
  "routingNumber": "string",
  "lastFourAccountNumber": "7000"
}

BankAccountAdd

Describes a Bank Account to be added.

Properties

Property	Type	Description
holderName	`string`	Name of the bank account holder
holderType	BANK_ACCOUNT_HOLDER_TYPE	The type of holder on a funding source
routingNumber	`string`	Bank account routing number
accountNumber	`string`	The bank account number
bankAccountType	BANK_ACCOUNT_TYPE	The bank account type

Enums

BANK_ACCOUNT_STATUS

Value	Description
NEW	Bank Account is created and waiting on verification.
VERIFIED	Bank Account is verified and ready for use.
VERIFICATION_FAILED	Bank Account verification failed.
PENDING	Bank Account is pending approval.
ERRORED	Bank Account is in an errored state.

BANK_ACCOUNT_HOLDER_TYPE

Value	Description
INDIVIDUAL	Bank Account holder is a type of individual.
BUSINESS	Bank Account holder is a type of business.

BANK_ACCOUNT_TYPE

Value	Description
CHECKING	Bank Account is a type of checking.
SAVINGS	Bank Account is a type of savings.
LOAN	Bank Account is a type of loan.
GENERAL_LEDGER	Bank Account is a type of general ledger.

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