external_bank_account_token

uuid

required

financial_account_token

uuid

Response Codes

``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

• nullExternal Bank Account Address

Address

Errors

``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 |

Example Request

curl

curl --request POST \
     --url https://sandbox.lithic.com/v1/external_bank_accounts/external_bank_account_token/retry_micro_deposits \
     --header 'accept: application/json' \ 
     --header 'content-type: application/json' \ 
     --data '\n{\n  "financial_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6"\n}\n' 

Example Response

{  
  "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": "2026-07-18T00:25:28.946Z",  
  "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"  
  }  
}