external_bank_account_token

uuid

required

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

address

null
External Bank Account 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| API key is not active | The API key used is no longer active |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 about 2 months ago

Curl Example

curl --request POST \
     --url https://sandbox.lithic.com/v1/external_bank_accounts/external_bank_account_token/pause \
     --header 'accept: application/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": "2026-07-18T00:25:29.310Z",
  "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"
  }
}