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  3. Bank accounts

Complete bank account verification

Finalize the instant micro-deposit verification by submitting the verification code displayed in the user’s bank account.

Upon successful verification, the bank account status will be updated to verified and eligible for ACH debit transactions.

The following formats are accepted:

  • MV0000
  • mv0000
  • 0000

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

PUT
/accounts/{accountID}/bank-accounts/{bankAccountID}/verify
cURL Go 
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curl -X PUT "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/verify" \
  -H "Authorization: Bearer {token}" \
  --data-raw '{
    "code":"MV1234"
  }'\

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mc, _ := moov.NewClient()

var accountID string
var bankAccountID string

mc.InstantVerificationComplete(ctx, accountID, bankAccountID, "MV1234")
200 400 401 403 404 409 422 429 500 504
The request completed successfully.
{
  "exceptionDetails": {
    "achReturnCode": "R02",
    "description": "string",
    "rtpRejectionCode": "AC03"
  },
  "status": "new",
  "verificationMethod": "instant"
}

Response headers

x-request-id

string <uuid> required
A unique identifier used to trace requests.
The server could not understand the request due to invalid syntax.
{
  "error": "string"
}

Response headers

x-request-id

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

Response headers

x-request-id

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

Response headers

x-request-id

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

Response headers

x-request-id

string <uuid> required
A unique identifier used to trace requests.
The request conflicted with the current state of the target resource.
{
  "error": "string"
}

Response headers

x-request-id

string <uuid> required
A unique identifier used to trace requests.
The request was well-formed, but the contents failed validation. Check the request for missing or invalid fields.
{
  "error": "string"
}

Response headers

x-request-id

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

Response headers

x-request-id

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

Response headers

x-request-id

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

Response headers

x-request-id

string <uuid> required
A unique identifier used to trace requests.

Headers

x-moov-version

string
API version

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.

Default: v2024.01.00

Path parameters

accountID

string <uuid> required

bankAccountID

string <uuid> required

Body

application/json

code

string required
Code provided by user from their bank account transactions

Response

application/json

status

string<enum> required
Possible values: new, sent-credit, max-attempts-exceeded, failed, expired, successful

verificationMethod

string<enum> required
Possible values: instant, ach

exceptionDetails

object
Reason for, and details related to, an errored or verificationFailed bank account status.
Show child attributes

achReturnCode

string<enum> required

The return code of an ACH transaction that caused the bank account status to change.

  • R02: Account Closed
  • R03: No Account/Unable to Locate Account
  • R04: Invalid Account Number
  • R05: Improper Debit to Consumer Account
  • R07: Authorization Revoked by Customer
  • R08: Payment Stopped
  • R10: Customer Advises Originator is Not Known or Authorized to Receiver
  • R11: Customer Advises Entry Not in Accordance with the Terms of the Authorization
  • R12: Branch Sold to Another DFI
  • R13: RDFI not qualified to participate
  • R14: Representative payee deceased or unable to continue in that capacity
  • R15: Beneficiary or bank account holder
  • R16: Bank account frozen
  • R17: Entry with Invalid Account Number Initiated Under Questionable Circumstances
  • R20: Non-payment bank account
  • R23: Credit entry refused by receiver
  • R29: Corporate customer advises not authorized
  • R34: Limited participation RDFI
  • R38: Stop Payment on Source Document (Adjustment Entry)
  • R39: Improper Source Document
Possible values: R02, R03, R04, R05, R07, R08, R10, R11, R12, R13, R14, R15, R16, R17, R20, R23, R29, R34, R38, R39

description

string required
Details related to an errored or verificationFailed bank account status.

rtpRejectionCode

string<enum> required

The rejection code of an RTP transaction that caused the bank account status to change.

  • AC03: Account Invalid
  • AC04: Account Closed
  • AC06: Account Blocked
  • AC14: Creditor Account Type Invalid
  • AG01: Transactions Forbidden On Account
  • AG03: Transaction Type Not Supported
  • MD07: Customer Deceased
Possible values: AC03, AC04, AC06, AC14, AG01, AG03, MD07