External Bank Account Token

uuid

required

verification_method

string enum required The verification method to set for the external bank account

• MICRO_DEPOSIT
• PRENOTE
• EXTERNALLY_VERIFIED

Allowed:

• MICRO_DEPOSIT
• PRENOTE
• EXTERNALLY_VERIFIED

financial_account_token

uuid The financial account token of the operating account to fund the micro deposits. Required when verification_method is MICRO_DEPOSIT or PRENOTE.

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, the 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

• 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 Bad Request

A parameter in the query given in the request does not match the valid queries for the endpoint.

401 Unauthorized

404 Not Found

The specified resource was not found.

429 Too Many Requests

Client has exceeded the number of allowed requests in a given time period.

Example Request

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

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": "2026-07-18T00:25:30.684Z",
  "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"
  }
}