# 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](/content/contact/index.html) |
| 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"  
  }  
}
```