external_bank_account_token

uuid

required

owner

string

length between 1 and 100

^[!-~ ]*$

Legal Name of the business or individual who owns the external account. This will appear in statements

owner_type

string

enum

Owner Type

INDIVIDUALBUSINESS

Allowed:

INDIVIDUAL``BUSINESS

name

string

length between 1 and 50

^[!-~ ]*$

The nickname for this External Bank Account

company_id

string

length between 1 and 10

^[a-zA-Z0-9]*$

Optional field that helps identify bank accounts in receipts

address

object

Address

External Bank Account Addressobject

dob

date

Date of Birth of the Individual that owns the external bank account doing_business_as

string

length between 1 and 40

Doing Business As

user_defined_id

string

length between 1 and 256

User Defined ID type

string

enum

CHECKINGSAVINGS

Allowed:

CHECKING``SAVINGS

200 OK

object token

uuid

required

A globally unique identifier for this record of an external bank account association. If a program links an external bank account to more than one end-user or to both the program and the end-user, then Lithic will return each record of the association

owner

string

required

Legal Name of the business or individual who owns the external account. This will appear in statements

routing_number

string

required

Routing Number

last_four

string

required

The last 4 digits of the bank account. Derived by Lithic from the account number passed

name

string | null

The nickname for this External Bank Account

currency

string

required

currency of the external account 3-character alphabetic ISO 4217 code

country

string

required

The country that the bank account is located in using ISO 3166-1. We will only accept USA bank accounts e.g., USA

account_token

uuid | null

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

created

date-time

required

An ISO 8601 string representing when this funding source was added to the Lithic account.

company_id

string | null

Optional field that helps identify bank accounts in receipts dob

date | null

Date of Birth of the Individual that owns the external bank account doing_business_as

string | null

Doing Business As

user_defined_id

string | null

User Defined ID

verification_failed_reason

string | null

Optional free text description of the reason for the failed verification. For ACH micro-deposits returned, this field will display the reason return code sent by the ACH network

verification_attempts

integer

required

The number of attempts at verification

financial_account_token

uuid | null

The financial account token of the operating account to fund the micro deposits type

string

enum

required

Account Type

verification_method

string

enum

required

Verification Method

owner_type

string

enum

required

Owner Type

state

string

enum

required

Account State

verification_state

string

enum

required

Verification State

addressnullExternal Bank Account Address

Address

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 used is no longer active | | Could not find API key | The API key provided is not associated with any user | | Please provide API key in Authorization header | The Authorization header is not in the request | | Please provide API key in the form Authorization: [api-key] | The Authorization header is not formatted properly | | Insufficient privileges. Issuing API key required | Write access requires an Issuing API key. Reach out at lithic.com/contact | | Insufficient privileges to create virtual cards. | Creating virtual cards requires an additional privilege |

404 The specified resource was not found.

429 Client has exceeded the number of allowed requests in a given time period. | | | | --- | --- | | Rate limited, too many requests per second | User has exceeded their per second rate limit | | Rate limited, reached daily limit | User has exceeded their daily rate limit | | Rate limited, too many keys tried | One IP has queried too many different API keys |

Updated 3 months ago

ShellNodeRubyPHPPython

xxxxxxxxxx

curl --request PATCH \

--url https://sandbox.lithic.com/v1/external_bank_accounts/external_bank_account_token \

--header 'accept: application/json' \

--header 'content-type: application/json' \
     --data '

{

"owner": "string",

"owner_type": "INDIVIDUAL",

"name": "string",

"company_id": "string",

"address": {

"address1": "string",

"address2": "string",

"city": "string",

"state": "string",

"postal_code": "string",

"country": "string"

},

"dob": "2026-07-18",

"doing_business_as": "string",

"user_defined_id": "string",

"type": "CHECKING"

}

'

xxxxxxxxxx

{

"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": "2026-07-18T00:25:29.437Z",

"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"

}

}