Changelog

All changes to the ModernFi API are documented here in reverse chronological order. Each entry includes new and updated endpoints, schema changes, deprecations, and removals. Breaking changes are flagged as such and include migration guidance. We recommend reviewing this page closely before beginning development or upgrading to a new API version.
May 15, 2026

v1.6.3

See below for our latest API changes. This release focuses on accounts and depositors: secure, on-demand TIN retrieval endpoints, a new List Depositors endpoint, a batch of new account and depositor fields, and a richer close-account response. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

New Endpoints

TIN Retrieval — Dedicated endpoints to fetch full tax identification numbers on demand, so full TINs no longer need to be returned in standard account and depositor responses (those now expose only the last four digits).

  • GET /digital-banking/v1/depositors/{depositor_id}/tin — Retrieve a depositor’s full TIN.
  • GET /digital-banking/v1/accounts/{account_id}/signer-primary-tin — Retrieve the primary signer’s full TIN for an account.
  • GET /digital-banking/v1/accounts/{account_id}/beneficiary-tin — Retrieve the beneficiary’s full TIN for an account.

Depositors

  • GET /digital-banking/v1/depositors — List depositors for your institution, with optional name, institution_depositor_id, and depositor_type filters.

Updated Endpoints

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

    • Added signer_primary_tin (string, optional) — set the primary signer’s TIN at creation.
    • Added account_officer (string, optional).
    • Added is_non_interest_bearing (boolean, optional) — open a non-interest-bearing account.
    • Added is_receiving_printed_statements (boolean, optional).
    • Added custom_field_1–custom_field_4 (string, optional) — free-form, institution-defined metadata.

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

    • Added account_officer and custom_field_1–custom_field_4 (all optional).

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

    • Added institution_opt_out_federal_ids (string array, optional) — institutions to exclude from reciprocation for this depositor.

  • PATCH /digital-banking/v1/depositors/{depositor_id} (Update Depositor)

    • Added account_ids (uuid array, optional) — set the depositor’s linked accounts.
    • Added institution_opt_out_federal_ids (string array, optional).

  • DELETE /digital-banking/v1/accounts/{account_id} (Close Account)

    • Now returns 200 OK with a CloseAccountResponse body (account_id, liquidation_amount, scheduled_to_close_date) instead of 204 No Content. Clients that treat any 2xx as success are unaffected; those that checked specifically for 204 should update accordingly, and can now read the liquidation amount and scheduled close date directly from the response.

Schema Changes

  • AccountResponse — added metadata and TIN fields:

    • is_non_interest_bearing (boolean), account_officer (string, nullable), cost_center_id / cost_center_code (nullable), and custom_field_1–custom_field_4 (nullable).
    • signer_primary_tin_last4 and beneficiary_tin_last4 (string, nullable) — last four digits of the relevant TINs; use the new TIN endpoints for full values.

  • DepositorResponse

    • Added tin_last_four (string, nullable) — last four digits of the depositor’s TIN; use GET /digital-banking/v1/depositors/{depositor_id}/tin for the full value.
    • Added institution_opt_out_federal_ids (string array).

  • New schemas: AccountTINResponse, DepositorTINResponse, CloseAccountResponse