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# 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`