Changelog

October 27, 2025

v1.5.1

Fall updates are here! See below for our latest API changes.

This release adds depositor update support, account monthly statement configuration, tiered interest rates on accounts, and a batch of new optional fields across account and depositor schemas. We’ve also expanded the StatementType enum to cover a wider range of institutional reporting needs.

New Endpoints

Monthly Statement Configuration — Three new endpoints for managing the layout and content of account monthly statements.

  • GET /v1/files/account-monthly-statement-config — Retrieve the current statement configuration for your institution.
  • POST /v1/files/account-monthly-statement-config — Create or update statement configuration including title, disclosures, contact info, closing paragraph, regulatory mark display, and account ID masking.
  • GET /v1/files/preview-account-monthly-statement — Preview a rendered statement using the current configuration.

Depositor Updates

  • PATCH /v1/depositors/{depositor_id} — Update depositor details. Supports updating name, contact information, institution_depositor_id, depositor_type, ownership_category, account_officer, notes, and approval_status.

Updated Endpoints

  • POST /v1/accounts (Create Account)

    • Added interest_rate_tiers (array of InterestRateTierRequest, optional) — define balance-based rate tiers. If only one tier is needed, continue using the interest_rate field.
    • Added is_apy (boolean, default false) — indicates whether the rate is an APY vs. nominal interest rate
    • Added depositor (CreateDepositorRequest, optional) — create and link a new depositor inline during account creation
    • Added shadow_account (ShadowAccountRequest, optional) — configure a shadow account
    • Added managed_sweep_target_balance (number/string, optional) — target balance for managed sweep accounts
    • Added account_agreement_file_data (string, optional) — base64-encoded PDF, max 25MB
    • Added notes (string, optional, max 256)
    • Added institution_cost_center_id, institution_alternative_id, submitted_by (all string, optional)

  • PATCH /v1/accounts/{account_id} (Update Account)

    • Added account_title, signer_primary, signer_secondary, beneficiary_name, institution_sweep_account_id, institution_return_account_id — these fields are now updatable via PATCH
    • Added managed_sweep_target_balance, notes, institution_cost_center_id, submitted_by (all optional)

  • POST /v1/depositors (Create Depositor)

    • Added account_ids (uuid array, optional) — link existing accounts at depositor creation
    • Added depositor_type (DepositorType enum, optional)
    • Added ownership_category (OwnershipCategory enum, optional)
    • Added account_officer (string, optional, max 128)
    • Added notes (string, optional, max 256)

  • POST /v1/accounts/{account_id}/transactions (Create Transaction)

    • Added submitted_by (string, optional, max 128)

  • GET /v1/files/statements (Get Statements)

    • Only account statements (ACCOUNT_MONTHLY_SWEEP) are available at this time. Institution statement support is planned for Q1 2026.

Schema Changes

  • AccountResponse

    • Added interest_rate_tiers (array of InterestRateTierResponse) — returns the account’s rate tier structure
    • Added shadow_account (ShadowAccountResponse, nullable)
    • Added managed_sweep_target_balance (string, nullable)
    • Added notes (string, nullable)

  • DepositorResponse

    • Added depositor_type (DepositorType enum, nullable)
    • Added ownership_category (OwnershipCategory enum, nullable)
    • Added account_officer (string, nullable)
    • Added notes (string, nullable)

  • StatementType — 10 new enum values added:

    • INSTITUTION_DAILY_GL_POSTINGS, INSTITUTION_DAILY_GL_BALANCES, INSTITUTION_DAILY_COST_CENTER_POSTINGS, INSTITUTION_DAILY_COST_CENTER_BALANCES, INSTITUTION_DAILY_TRIAL_BALANCES, INSTITUTION_QUARTERLY_CALL_REPORT, INSTITUTION_WEEKLY_FR2900, INSTITUTION_DAILY_ACCOUNT_HISTORY, INSTITUTION_DAILY_TRANSACTION_HISTORY, INSTITUTION_DAILY_TRANSACTION_ERRORS

  • New enums:

    • DepositorType — CONSUMER, BUSINESS, NONPROFIT, LOCAL_GOVERNMENT, FEDERAL_GOVERNMENT, US_DEPOSITORY, FOREIGN_DEPOSITORY, FOREIGN_GOVERNMENT
    • OwnershipCategory — 16 values covering consumer, business, nonprofit, government, and depository ownership types
    • ApprovalStatus — PENDING, APPROVED, REJECTED