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# v1.6.0

See below for our latest API changes.  This minor version upgrade brings improved input validation, additional account and depositor flexibility, and cleanup of deprecated fields and endpoints.

## Updated Endpoints

* **`DELETE /v1/accounts/{account_id}`** (Close Account)
  * Accounts with a non-zero balance are now automatically liquidated before closing. It is no longer necessary to manually zero out the balance before calling this endpoint.

* **`POST /v1/accounts`** (Create Account)
  * `signer_primary` is now optional
  * `interest_rate` is now optional with explicit validation (`0 ≤ rate < 1`)
  * `account_type` now accepts the `AccountType` enum (`MMDA`, `DDA`)
  * Added `is_reciprocation_prioritized` (boolean, default `false`) — prioritize this account for reciprocation
  * Added `program_tags` (string array) — tag accounts with program identifiers

* **`PATCH /v1/accounts/{account_id}`** (Update Account)
  * `depositor_ids` is now optional — you no longer need to include it in every update
  * Added `is_reciprocation_prioritized` (boolean, optional)
  * Added `program_tags` (string array, optional)
  * Added `account_type` (`AccountType` enum, optional)
  * Added `institution_alternative_id` (string, optional, deprecated)

* **`POST /v1/depositors`** (Create Depositor)
  * `internal_depositor_id` has been replaced by `institution_depositor_id`, which was introduced in v1.5.1

* **Input validation improvements** — `maxLength` constraints have been added to string fields across `CreateAccountRequest`, `CreateDepositorRequest`, `CreateTransactionRequest`, `UpdateTransactionRequest`, `AddressData`, and `PhoneNumberData`. `EmailData.email_address` now validates email format, and `AddressData.country_code` requires a two-character ISO 3166-1 alpha-2 code. Notable limits: `account_title` (128), `signer_primary`/`signer_secondary` (64), `beneficiary_tin` (9), `tin` (64), `first_name`/`last_name` (32), transaction `description` (256).

## Schema Changes

* **`AccountResponse`**
  * `signer_primary` is now nullable
  * Added `institution_alternative_id` (string, nullable, deprecated)
  * Added `is_reciprocation_prioritized` (boolean, required)
  * `institution_account_id` is now marked as **deprecated**

* **`DepositorResponse`**
  * `tin` is now nullable and marked **deprecated** — plan to migrate away from reading this field from responses

## Removed Endpoints

* **`GET /v1/accounts/{account_id}/documents/monthly-statements`** — This previously deprecated endpoint has been removed. Use `GET /v1/files/statements` with `statement_type=ACCOUNT_MONTHLY_SWEEP` instead.