## 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
```json
{
  "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