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  • Modernfi Developer Hub
    • Overview for Developers
    • Getting Started
  • Topics
    • Using the Sandbox
    • Authentication
    • Account Structure
    • Idempotency
    • Transaction Records and Sweeps
    • Balance Fields
    • Interest
    • Reports
    • Versioning
    • Changelog
  • API Reference
      • GETList Accounts
      • POSTCreate Account
      • GETGet Account
      • DELClose Account
      • PATCHUpdate Account
      • GETGet Account Allocation
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API ReferenceAccounts

Create Account

POST
/digital-banking/v1/accounts
POST
/digital-banking/v1/accounts
$curl -X POST https://api.modernfi.com/digital-banking/v1/accounts \
>     -H "idempotency-key: idempotency-key" \
>     -H "Authorization: Bearer <token>" \
>     -H "Content-Type: application/json" \
>     -d '{
>  "account_title": "string",
>  "account_type": "MMDA",
>  "depositor_ids": [
>    "string"
>  ]
>}'
1{
2  "id": "string",
3  "institution_id": "string",
4  "signer_primary": "string",
5  "account_title": "string",
6  "interest_rate": "string",
7  "interest_rate_tiers": [
8    {
9      "min_balance": "string",
10      "max_balance": "string",
11      "rate": "string",
12      "floating_spread": "string"
13    }
14  ],
15  "insurance_limit": "string",
16  "account_type": "MMDA",
17  "created_at": "string",
18  "is_joint_account": true,
19  "total_balance": "string",
20  "pending_balance": "string",
21  "is_reciprocation_prioritized": true,
22  "is_receiving_printed_statements": true,
23  "closed_at": "string",
24  "signer_secondary": "string",
25  "beneficiary_name": "string",
26  "beneficiary_tin": "string",
27  "institution_sweep_account_id": "string",
28  "institution_return_account_id": "string",
29  "institution_branch_id": "string",
30  "depositors": [
31    {
32      "id": "string",
33      "institution_id": "string",
34      "institution_depositor_id": "string",
35      "first_name": "string",
36      "last_name": "string",
37      "entity_name": "string",
38      "is_organization": true,
39      "phone_numbers": [
40        {
41          "number": "string",
42          "is_primary": true
43        }
44      ],
45      "emails": [
46        {
47          "email_address": "string",
48          "is_primary": true
49        }
50      ],
51      "addresses": [
52        {
53          "street": "string",
54          "city": "string",
55          "state": "string",
56          "zip": "string",
57          "country_code": "string",
58          "is_primary": true
59        }
60      ],
61      "depositor_type": "CONSUMER",
62      "ownership_category": "JOINT",
63      "account_officer": "string",
64      "notes": "string",
65      "tin": "string"
66    }
67  ],
68  "managed_sweep_target_balance": "string",
69  "shadow_account": {
70    "id": "string",
71    "account_number": "string",
72    "account_type": "MMDA",
73    "closed_at": "string"
74  },
75  "notes": "string",
76  "pricing_group_id": "string",
77  "institution_account_id": "string",
78  "institution_alternative_id": "string"
79}
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Built with

Authentication

AuthorizationBearer

Bearer authentication of the form Bearer <token>, where token is your auth token.

Headers

idempotency-keystringRequired

Request

This endpoint expects an object.
account_titlestringRequired<=128 characters
account_typeenumRequired
Allowed values:
depositor_idslist of stringsRequired
signer_primarystring or nullOptional<=64 characters
depositorobject or nullOptional
New depositor to create and link to this account
interest_rate_tierslist of objectsOptional

Used to define tiers of interest rates based on account balance. If only one tier is needed, use the interest_rate field instead.

program_tagslist of stringsOptional
is_apybooleanOptionalDefaults to false

Indicates if the interest rate is an Annual Percentage Yield (APY). If ommitted or false, the rate is considered a nominal interest rate.

interest_ratedouble or nullOptional>=0

Interest rate must be between 0 and 1 (e.g., 0.04 for 4%).

signer_secondarystring or nullOptional<=64 characters
beneficiary_namestring or nullOptional<=64 characters
beneficiary_tinstring or nullOptional<=9 characters
institution_sweep_account_idstring or nullOptional<=64 characters
institution_return_account_idstring or nullOptional<=64 characters
institution_branch_idstring or nullOptional<=64 characters
institution_cost_center_idstring or nullOptional<=64 characters
cost_center_idstring or nullOptionalformat: "uuid"
managed_sweep_target_balancedouble or string or nullOptional

Target balance for managed sweep accounts. Must be a non-negative USD amount.

shadow_accountobject or nullOptional
Configuration for shadow account associated with this account.
account_agreement_file_datastring or nullOptional

Base64 encoded PDF file data (max 25MB)

notesstring or nullOptional<=256 characters
Notes for the account
pricing_group_idstring or nullOptionalformat: "uuid"
Pricing group ID associated with the account
is_reciprocation_prioritizedbooleanOptionalDefaults to false
Whether this account should be prioritized for reciprocation.
institution_account_idstring or nullOptional<=32 charactersDeprecated

Response

Successful Response
idstring
institution_idstring
signer_primarystring or null
account_titlestring
interest_ratestring
interest_rate_tierslist of objects
insurance_limitstring
account_typeenum
Allowed values:
created_atstring
is_joint_accountboolean
total_balancestring
pending_balancestring
is_reciprocation_prioritizedboolean
is_receiving_printed_statementsboolean
closed_atstring or null
signer_secondarystring or null
beneficiary_namestring or null
beneficiary_tinstring or null
institution_sweep_account_idstring or null
institution_return_account_idstring or null
institution_branch_idstring or null
depositorslist of objects or null
managed_sweep_target_balancestring or null
shadow_accountobject or null
notesstring or null
pricing_group_idstring or null
institution_account_idstring or nullDeprecated
institution_alternative_idstring or nullDeprecated

Errors

400
Bad Request Error
401
Unauthorized Error
403
Forbidden Error
422
Unprocessable Entity Error
500
Internal Server Error