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# 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`