Changelog

Happy fall from the ModernFi team! See below for our latest API changes. This release adds batch account lookup by your own account numbers, lets Get File download institution statement files with an institution_id, and widens the transaction backdating window to 7 days. It also applies statement date ranges to every statement type and adds a few validation limits. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

Updated Endpoints

• GET /digital-banking/v1/accounts (List Accounts)

  • Added institution_account_ids query parameter (string array, optional, up to 1000 values of 1–64 characters each). Returns only accounts whose institution_sweep_account_id or institution_return_account_id matches one of the values, so you can look up many accounts in one call. Repeat the parameter for each value. Closed accounts are included unless you also pass statuses.

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

  • transacted_at can now be backdated up to 7 days, and it must still be within the current calendar month. Before this release, it could not precede the most recent allocation cutoff (2:00 PM ET on the last business day).
  • ⚠️ The idempotency-key header must be 1–64 characters. Requests with a longer or empty key are rejected.
  • Added submitted_by (string, nullable, optional): the user who initiated the transaction. The endpoint already accepted this field, and it is now documented.

• POST /digital-banking/v1/accounts (Create Account) and PATCH /digital-banking/v1/accounts/{account_id} (Update Account)

  • ⚠️ cost_center_id must be a current cost center that belongs to your institution. Other values return 400.

• POST /digital-banking/v1/accounts (Create Account)

  • Institutions enrolled in intraday liquidity can now include shadow_account even when their core does not require a shadow account.
  • ⚠️ shadow_account.account_number cannot be left empty.

• POST /digital-banking/v1/accounts (Create Account) and POST /digital-banking/v1/depositors (Create Depositor)

  • When two requests with the same idempotency key arrive at the same time, the second request returns the resource that the first one created, the same as any idempotent replay.

• GET /digital-banking/v1/files/{file_id} (Get File)

  • Added institution_id query parameter (uuid, optional): your institution’s ModernFi ID. Use it to download institution statement files, such as trial balances, by the file_id that GET /digital-banking/v1/files/statements returns.
  • account_id is now optional. Provide exactly one of account_id or institution_id. Otherwise the request returns 400.
  • The id_type description is clearer: set it to INSTITUTION only when account_id holds your bank’s own account number (the sweep or return account number). It never accepts an institution ID. No functional change expected — spec documentation updated.

• GET /digital-banking/v1/files/statements (Get Statements)

  • start_date and end_date now filter every statement type as an inclusive range, including daily, weekly (FR 2900), and quarterly institution statements. Requests that pass a date range may return more files than before.

• GET /digital-banking/v1/accounts/{account_id}/allocation (Get Account Allocation)

  • The documentation now states that allocations exist only for business days, so a weekend or holiday run_date returns an empty allocations list. To get the latest allocations, omit run_date. The most recent approved allocation run is then used. No functional change expected — spec documentation updated.

Schema Changes

• CreateTransactionRequest

  • Added submitted_by (string, nullable), and transacted_at follows the new 7-day backdating window described above.

• ShadowAccountRequest

  • account_number cannot be left empty.