external_bank_account_token

uuid

required

financial_account_token

uuid

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 |

ShellNodeRubyPHPPython

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

{
  "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": "2026-07-18T00:25:28.723Z",
  "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"
  }
}