Create external bank account

MICRO_DEPOSITPRENOTEEXTERNALLY_VERIFIEDUNVERIFIED

verification_method

• Type: string
• Enum: required
• Description: Verification Method
• Allowed Values: MICRO_DEPOSIT, PRENOTE

owner_type

• Type: string
• Enum: required
• Description: Owner Type
• Allowed Values: INDIVIDUAL, BUSINESS

owner

• Type: string
• Required: length between 1 and 100, regex: ^[!-~ ]*$
• Description: Legal Name of the business or individual who owns the external account. This will appear in statements

account_token

• Type: uuid
• Description: Indicates which Lithic account the external account is associated with. For external accounts that are associated with the program, account_token field returned will be null

company_id

• Type: string
• Optional: length between 1 and 10, regex: ^[a-zA-Z0-9]*$
• Description: Optional field that helps identify bank accounts in receipts

doing_business_as

• Type: string
• Optional: length between 1 and 40
• Description: Doing Business As

dob

• Type: date
• Description: Date of Birth of the Individual that owns the external bank account

user_defined_id

• Type: string
• Optional: length between 1 and 256

type

• Type: string
• Enum: required
• Description: Account Type
• Allowed Values: CHECKING, SAVINGS

routing_number

• Type: string
• Required: length of 9, regex: ^[0-9]{9}$
• Description: Routing Number

account_number

• Type: string
• Required: length between 1 and 17, regex: ^[0-9-]{1,17}$
• Description: Account Number

name

• Type: string
• Optional: length between 1 and 50, regex: ^[!-~ ]*$
• Description: The nickname for this External Bank Account

country

• Type: string
• Required: length of 3, regex: ^[A-Z]{3}$
• Description: The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

currency

• Type: string
• Required: length of 3, regex: ^[A-Z]{3}$
• Description: currency of the external account 3-character alphabetic ISO 4217 code

verification_enforcement

• Type: boolean
• Default: true

address

• Type: object
• Description: External Bank Account Address

financial_account_token

• Type: uuid
• Required: The financial account token of the operating account to fund the micro deposits

Response Example

{
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "owner": "string",
  "routing_number": "string",
  "last_four": "string",
  "name": "string",
  "currency": "string",
  "country": "string",
  "account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "created": "2026-07-18T00:25:28.236Z",
  "company_id": "string",
  "dob": "2026-07-18",
  "doing_business_as": "string",
  "user_defined_id": "string",
  "verification_failed_reason": "string",
  "verification_attempts": 0,
  "financial_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "type": "CHECKING",
  "verification_method": "MANUAL",
  "owner_type": "INDIVIDUAL",
  "state": "ENABLED",
  "verification_state": "PENDING",
  "address": {
    "address1": "string",
    "address2": "string",
    "city": "string",
    "state": "string",
    "postal_code": "string",
    "country": "string"
  }
}

Error Response Codes

• 400: A parameter in the query given in the request does not match the valid queries for the endpoint.
• 401: User has not been authenticated | Invalid or missing API key | API key is not active | The API key provided is not associated with any user.
• 409: Conflict
• 429: Client has exceeded the number of allowed requests in a given time period.

Updated 3 months ago