> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.modernfi.com/api-reference/accounts/update/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.modernfi.com/_mcp/server.

# Update Account

PATCH https://api.modernfi.com/digital-banking/v1/accounts/{account_id}
Content-Type: application/json

Updates an account. Note: account_type is immutable and cannot be changed after creation.

Reference: https://docs.modernfi.com/api-reference/accounts/update

## Authentication

- `Authorization` header (bearer token, required) — Bearer authentication of the form `Bearer <token>`, where token is your auth token.

## Servers

- `https://api.modernfi.com` (Production, default)
- `https://api.uat.modernfi.com` (UAT)
- `http://localhost:8000` (Local)

## Request

### Path parameters

- `account_id` (string, required)

### Body (application/json)

This endpoint expects an UpdateAccountRequest.

- `depositor_ids` (list of string, optional, nullable)
- `account_title` (string, optional, nullable)
- `institution_sweep_account_id` (string, optional, nullable)
- `institution_return_account_id` (string, optional, nullable)
- `is_reciprocation_prioritized` (boolean, optional, nullable)
- `is_receiving_printed_statements` (boolean, optional, nullable)
- `signer_primary` (string, optional, nullable)
- `signer_secondary` (string, optional, nullable)
- `beneficiary_name` (string, optional, nullable)
- `institution_cost_center_id` (string, optional, nullable)
- `cost_center_id` (string, optional, nullable)
- `notes` (string, optional, nullable)
- `managed_sweep_target_balance` (UpdateAccountRequestManagedSweepTargetBalance, optional, nullable)
- `program_tags` (list of string, optional, nullable)
- `account_officer` (string, optional, nullable) — Account officer assigned to this account
- `custom_field_1` (string, optional, nullable) — Custom field 1
- `custom_field_2` (string, optional, nullable) — Custom field 2
- `custom_field_3` (string, optional, nullable) — Custom field 3
- `custom_field_4` (string, optional, nullable) — Custom field 4
- `institution_alternative_id` (string, optional, nullable, deprecated)

## Response

### 200

Successful Response

- `id` (string, required)
- `institution_id` (string, required)
- `signer_primary` (string, required, nullable)
- `account_title` (string, required)
- `interest_rate` (string, required)
- `interest_rate_tiers` (list of InterestRateTierResponse, required)
- `insurance_limit` (string, required)
- `account_type` (enum, required)
  - Allowed values: `MMDA`, `DDA`
- `created_at` (string, required)
- `is_joint_account` (boolean, required)
- `total_balance` (string, required)
- `pending_balance` (string, required)
- `is_reciprocation_prioritized` (boolean, required)
- `is_receiving_printed_statements` (boolean, required)
- `rate_configuration` (enum, required)
  - Allowed values: `FIXED`, `FLOATING_MARKET`, `FLOATING_CUSTOM`, `TIERED`, `MIXED`
- `signer_primary_tin_last4` (string, optional, nullable)
- `closed_at` (string, optional, nullable)
- `signer_secondary` (string, optional, nullable)
- `beneficiary_name` (string, optional, nullable)
- `beneficiary_tin` (string, optional, nullable)
- `beneficiary_tin_last4` (string, optional, nullable)
- `institution_sweep_account_id` (string, optional, nullable)
- `institution_return_account_id` (string, optional, nullable)
- `institution_branch_id` (string, optional, nullable)
- `cost_center_id` (string, optional, nullable)
- `cost_center_code` (string, optional, nullable)
- `depositors` (list of DepositorResponse, optional, nullable)
- `managed_sweep_target_balance` (string, optional, nullable)
- `shadow_account` (ShadowAccountResponse, optional, nullable)
- `notes` (string, optional, nullable)
- `pricing_group_id` (string, optional, nullable)
- `rate` (string, optional, nullable)
- `floating_spread` (string, optional, nullable)
- `floating_spread_bps` (string, optional, nullable)
- `rate_index_type` (enum, optional, nullable)
  - Allowed values: `EFFR`, `CU_RECEIVE_DEFAULT`, `BANK_RECEIVE_DEFAULT`, `EFFR_UPPER_BAND`, `EFFR_LOWER_BAND`, `SOFR_OVERNIGHT`, `SOFR_1M`, `SOFR_3M`, `SOFR_6M`, `SOFR_12M`, `CMT_1M`, `CMT_3M`, `CMT_6M`, `FIDELITY_FISXX`, `FIDELITY_SPAXX`, `FIDELITY_FCIXX`, `WSJ_PRIME`, `IORB`
- `floating_rate_percentage` (string, optional, nullable)
- `index_rate` (string, optional, nullable)
- `custom_benchmark_id` (string, optional, nullable)
- `custom_benchmark_rate` (string, optional, nullable)
- `account_officer` (string, optional, nullable) — Account officer assigned to this account
- `is_non_interest_bearing` (boolean, optional, default: false) — Whether this account is non-interest-bearing
- `custom_field_1` (string, optional, nullable) — Custom field 1
- `custom_field_2` (string, optional, nullable) — Custom field 2
- `custom_field_3` (string, optional, nullable) — Custom field 3
- `custom_field_4` (string, optional, nullable) — Custom field 4
- `is_q2_funds_transfer_enabled` (boolean, optional, default: false) — Whether the Q2 digital banking integration may move this account's funds. False when the institution's Q2 enrollment is not enabled or the account is exempt from integration.
- `institution_account_id` (string, optional, nullable, deprecated)
- `institution_alternative_id` (string, optional, nullable, deprecated)

## Errors

### 400 Bad Request Error

Bad Request - Invalid input or validation error

- `detail` (list of map from string to any, required)

### 401 Unauthorized Error

Unauthenticated - Invalid or missing authentication credentials

- `detail` (string, required)

### 403 Forbidden Error

Unauthorized - Insufficient permissions to access resource

- `detail` (string, required)

### 422 Unprocessable Entity Error

Validation Error

- `detail` (list of ValidationError, optional)

### 500 Internal Server Error

Internal Server Error

- `detail` (string, required)

## Types

### UpdateAccountRequestManagedSweepTargetBalance

### InterestRateTierResponse

- `min_balance` (string, required)
- `max_balance` (string, required)
- `rate` (string, optional, nullable)
- `floating_spread` (string, optional, nullable)
- `rate_index_type` (enum, optional, nullable)
  - Allowed values: `EFFR`, `CU_RECEIVE_DEFAULT`, `BANK_RECEIVE_DEFAULT`, `EFFR_UPPER_BAND`, `EFFR_LOWER_BAND`, `SOFR_OVERNIGHT`, `SOFR_1M`, `SOFR_3M`, `SOFR_6M`, `SOFR_12M`, `CMT_1M`, `CMT_3M`, `CMT_6M`, `FIDELITY_FISXX`, `FIDELITY_SPAXX`, `FIDELITY_FCIXX`, `WSJ_PRIME`, `IORB`
- `floating_rate_percentage` (string, optional, nullable)
- `custom_benchmark_id` (string, optional, nullable)

### DepositorResponse

- `id` (string, required)
- `institution_id` (string, required)
- `institution_depositor_id` (string, required, nullable)
- `first_name` (string, required, nullable)
- `last_name` (string, required, nullable)
- `entity_name` (string, required, nullable)
- `is_organization` (boolean, required)
- `phone_numbers` (list of PhoneNumberData, required)
- `emails` (list of EmailData, required)
- `addresses` (list of AddressData, required)
- `depositor_type` (enum, required)
  - Allowed values: `CONSUMER`, `BUSINESS`, `NONPROFIT`, `LOCAL_GOVERNMENT`, `FEDERAL_GOVERNMENT`, `US_DEPOSITORY`, `FOREIGN_DEPOSITORY`, `FOREIGN_GOVERNMENT`
- `tin_last_four` (string, optional, nullable) — Last 4 digits of the TIN (masked).
- `ownership_category` (enum, optional, nullable)
  - Allowed values: `JOINT`, `SINGLE`, `RETIREMENT`, `ESTATE_REVOCABLE_TRUST`, `OTHER_CONSUMER`, `CORPORATION`, `LIMITED_LIABILITY_COMPANY`, `LIMITED_PARTNERSHIP`, `SOLE_PROPRIETORSHIP`, `OTHER_BUSINESS`, `CLUBS_ASSOCIATIONS`, `OTHER_NONPROFIT`, `MUNICIPALITIES`, `SCHOOL_DISTRICTS`, `OTHER_LOCAL_GOVERNMENT`, `US_GOVERNMENT`, `US_DEPOSITORY`
- `account_officer` (string, optional, nullable)
- `notes` (string, optional, nullable)
- `institution_opt_out_federal_ids` (list of string, optional) — List of institutions (by federal_id) excluded from receiving this depositor's funds
- `tin` (string, optional, nullable, deprecated)

### ShadowAccountResponse

- `id` (string, required)
- `account_number` (string, required)
- `account_type` (enum, required)
  - Allowed values: `MMDA`, `DDA`
- `closed_at` (string, optional, nullable)

### ValidationError

- `loc` (list of ValidationErrorLocItems, required)
- `msg` (string, required)
- `type` (string, required)
- `input` (any, optional)
- `ctx` (ValidationErrorCtx, optional)

### PhoneNumberData

- `number` (string, required)
- `is_primary` (boolean, optional, default: true)

### EmailData

- `email_address` (string, required)
- `is_primary` (boolean, optional, default: true)

### AddressData

- `street` (string, required)
- `city` (string, required)
- `state` (string, required)
- `zip` (string, required)
- `country_code` (string, required) — ISO 3166-1 alpha-2 country code (e.g., US)
- `is_primary` (boolean, optional, default: true)

### ValidationErrorLocItems

### ValidationErrorCtx

## Examples

**Request**

```json
{}
```

**Response**

```json
{
  "id": "string",
  "institution_id": "string",
  "signer_primary": "string",
  "account_title": "string",
  "interest_rate": "string",
  "interest_rate_tiers": [
    {
      "min_balance": "string",
      "max_balance": "string",
      "rate": "string",
      "floating_spread": "string",
      "rate_index_type": "EFFR",
      "floating_rate_percentage": "string",
      "custom_benchmark_id": "string"
    }
  ],
  "insurance_limit": "string",
  "account_type": "MMDA",
  "created_at": "string",
  "is_joint_account": true,
  "total_balance": "string",
  "pending_balance": "string",
  "is_reciprocation_prioritized": true,
  "is_receiving_printed_statements": true,
  "rate_configuration": "FIXED",
  "signer_primary_tin_last4": "string",
  "closed_at": "string",
  "signer_secondary": "string",
  "beneficiary_name": "string",
  "beneficiary_tin": "string",
  "beneficiary_tin_last4": "string",
  "institution_sweep_account_id": "string",
  "institution_return_account_id": "string",
  "institution_branch_id": "string",
  "cost_center_id": "string",
  "cost_center_code": "string",
  "depositors": [
    {
      "id": "string",
      "institution_id": "string",
      "institution_depositor_id": "string",
      "first_name": "string",
      "last_name": "string",
      "entity_name": "string",
      "is_organization": true,
      "phone_numbers": [
        {
          "number": "string",
          "is_primary": true
        }
      ],
      "emails": [
        {
          "email_address": "string",
          "is_primary": true
        }
      ],
      "addresses": [
        {
          "street": "string",
          "city": "string",
          "state": "string",
          "zip": "string",
          "country_code": "string",
          "is_primary": true
        }
      ],
      "depositor_type": "CONSUMER",
      "tin_last_four": "string",
      "ownership_category": "JOINT",
      "account_officer": "string",
      "notes": "string",
      "institution_opt_out_federal_ids": [
        "string"
      ],
      "tin": "string"
    }
  ],
  "managed_sweep_target_balance": "string",
  "shadow_account": {
    "id": "string",
    "account_number": "string",
    "account_type": "MMDA",
    "closed_at": "string"
  },
  "notes": "string",
  "pricing_group_id": "string",
  "rate": "string",
  "floating_spread": "string",
  "floating_spread_bps": "string",
  "rate_index_type": "EFFR",
  "floating_rate_percentage": "string",
  "index_rate": "string",
  "custom_benchmark_id": "string",
  "custom_benchmark_rate": "string",
  "account_officer": "string",
  "is_non_interest_bearing": false,
  "custom_field_1": "string",
  "custom_field_2": "string",
  "custom_field_3": "string",
  "custom_field_4": "string",
  "is_q2_funds_transfer_enabled": false,
  "institution_account_id": "string",
  "institution_alternative_id": "string"
}
```

**SDK Code**

```python
import requests

url = "https://api.modernfi.com/digital-banking/v1/accounts/account_id"

payload = {}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.patch(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api.modernfi.com/digital-banking/v1/accounts/account_id';
const options = {
  method: 'PATCH',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.modernfi.com/digital-banking/v1/accounts/account_id"

	payload := strings.NewReader("{}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.modernfi.com/digital-banking/v1/accounts/account_id")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.patch("https://api.modernfi.com/digital-banking/v1/accounts/account_id")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('PATCH', 'https://api.modernfi.com/digital-banking/v1/accounts/account_id', [
  'body' => '{}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api.modernfi.com/digital-banking/v1/accounts/account_id");
var request = new RestRequest(Method.PATCH);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.modernfi.com/digital-banking/v1/accounts/account_id")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "PATCH"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```