Deposit Accounts

Note
This feature is currently in beta and subject to change. It also requires additional activation steps. To learn more about the Beta program for this feature and about activating it for your program, contact your Marqeta representative.

The Marqeta platform’s deposit account feature enables you to manage the creation, maintenance, and lifecycle of a deposit account. You can also look up a user by their associated plain text deposit account number or list all the deposit accounts associated with a specified user.

Create deposit account

Action: POST
Endpoint: /depositaccounts Creates a new deposit account for a user or business. Before you can create a new deposit account, the associated user must successfully pass KYC. (You can also set the manual_override field of POST /kyc to true in the event that you performed the verification through another mechanism, such as with an alternative KYC provider or directly with the account holder). For more information, see About KYC Verification. An active, issued card—at either the parent or the child level—is required before creating an account with the type field set to DEPOSIT_ACCOUNT. In contrast, you can create an account without an issued card when the type field is set to CHECKING; however, you must issue and activate a card before the checking account can be used to transact.

Note
Each cardholder is limited to five deposit accounts, including any accounts in the ACTIVE or SUSPENDED state. Contact your Marqeta representative if you need to raise this value.

Request body

Fields	Description
token string Optional	Unique identifier of the deposit account. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 36 char max
user_token OR business_token string Required	User or business for which to create the deposit account. Pass either a `user_token` or `business_token`. Performs a non-case-sensitive match. Allowable Values: Existing user or business token. NOTE: If you pass a business token here, you can only create a `DEPOSIT_ACCOUNT`, and not a `CHECKING` account. See the `type` field below for details.
type string Optional	Type of deposit account being created. Allowable Values: - `DEPOSIT_ACCOUNT`: An ACH account that supports automatic direct deposit transactions. Reserved for prepaid card programs. - `CHECKING`: A consumer Demand Deposit Account (DDA) offering features typically associated with checking accounts. Default value: `DEPOSIT_ACCOUNT` NOTE: This field is not returned in the response.
customer_due_diligence array of objects Conditionally required	Array containing Customer Due Diligence (CDD) data associated with the account holder specified by `user_token`. Required when the `type` field is set to `CHECKING`. For details, see About Customer Due Diligence. Allowable Values: Array of objects with valid CDD question/answer pairs, as described in CDD Data Object.

Response body

Fields	Description
account_number string Returned	Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program.
routing_number string Returned	Routing number assigned to the deposit account. Allowable Values: 9 char max
token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
user_token OR business_token string Returned	User or business to whom the deposit account belongs. Allowable Values: 36 char max
state string Returned	Status of the deposit account. Allowable Values: `ACTIVE`
type string Returned	Type of deposit account created. Allowable Values: `DEPOSIT_ACCOUNT`, `CHECKING`
created_time string Returned	Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ
last_modified_time string Returned	Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample request body

JSON

{
  "user_token": "bd6772dc-3ab9-4014-8ef1-fa0843bf5d0d",
  "type": "CHECKING",
  "customer_due_diligence": [
    {
      "question": "dda_002_cdd_01_expmondep",
      "answer": "2"
    },
    {
      "question": "dda_002_cdd_02_naics",
      "answer": "6241"
    }
  ]
}

Sample response body

JSON

{
  "account_number": "2401870493365",
  "routing_number": "041285663",
  "token": "b28fc1c9-d0b7-452c-9e88-4d17099114c3",
  "user_token": "bd6772dc-3ab9-4014-8ef1-fa0843bf5d0d",
  "state": "ACTIVE",
  "type": "CHECKING",
  "created_time": "2020-12-08T00:12:59Z",
  "last_modified_time": "2020-12-08T00:12:59Z"
}

Retrieve deposit account

Action: GET
Endpoint: /depositaccounts/{token} Retrieves a specified deposit account. Include the token path parameter to indicate the deposit account to retrieve.

URL path parameters

Fields	Description
token string Required	Token of the deposit account. Allowable Values: Existing deposit account token.

Response body

Fields	Description
account_number string Returned	Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program.
routing_number string Returned	Routing number assigned to the deposit account. Allowable Values: 9 char max
token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
user_token OR business_token string Returned	User or business associated with the deposit account. Allowable Values: 36 char max
state string Returned	Status of the deposit account. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNACTIVATED`
type string Returned	Type of deposit account. Allowable Values: - `DEPOSIT_ACCOUNT`: An ACH account that supports automatic direct deposit transactions. Reserved for prepaid card programs. - `CHECKING`: A consumer Demand Deposit Account (DDA) offering features typically associated with checking accounts.
created_time string Returned	Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ
last_modified_time string Returned	Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample response body

JSON

{
  "account_number": "2401534763971",
  "routing_number": "041815663",
  "token": "a11eecf9-0bde-4e9c-ac13-723f12a09cb3",
  "user_token": "bd5472cc-3cd9-4004-8ef1-fa0743bf5d0d",
  "state": "ACTIVE",
  "type": "DEPOSIT_ACCOUNT",
  "created_time": "2020-11-17T23:46:19Z",
  "last_modified_time": "2020-11-17T23:46:19Z"
}

List deposit accounts

Action: GET
Endpoint: /depositaccounts/user/{token} Retrieves a list of all the deposit accounts associated with the specified account holder. This endpoint supports pagination and field filtering.

URL path parameters

Fields	Description
token string Required	Token identifying the user or business whose deposit accounts you want to retrieve. Allowable Values: 36 char max

Response body

Fields	Description
account_number string Returned	Account number assigned to the deposit account. Allowable Values: 13-17 char max, depending on the program.
routing_number string Returned	Routing number assigned to the deposit account. Allowable Values: 9 char max
token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
user_token OR business_token string Returned	Unique identifier of the user or business associated with the deposit account. Allowable Values: 36 char max
state string Returned	Status of the deposit account. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNACTIVATED`
type string Returned	Type of deposit account. Allowable Values: `DEPOSIT_ACCOUNT`, `CHECKING`
created_time string Returned	Date and time when the deposit account was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ
last_modified_time string Returned	Date and time when the deposit account was last modified. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "account_number": "2403570493575",
      "routing_number": "041215623",
      "token": "c39fc2d0-d0b7-452c-9e88-4d17099114c3",
      "user_token": "bd6773cc-3cd9-4004-8ef1-fa0743bf5d0d",
      "state": "ACTIVE",
      "type": "DEPOSIT_ACCOUNT",
      "created_time": "2020-10-08T00:12:59Z",
      "last_modified_time": "2020-11-08T00:12:59Z"
    },
    {
      "account_number": "2401568763971",
      "routing_number": "041215663",
      "token": "a11eecf9-0bde-4e9c-ac13-723f12a09cb3",
      "user_token": "bd6773cc-3cd9-4004-8ef1-fa0743bf5d0d",
      "state": "ACTIVE",
      "type": "DEPOSIT_ACCOUNT",
      "created_time": "2020-09-17T23:46:19Z",
      "last_modified_time": "2020-09-17T23:46:19Z"
    }
  ]
}

Look up user by deposit account number

Action: POST
Endpoint: /depositaccounts/account/user Looks up a user by their associated plain text deposit account number.

Request body

Fields	Description
account_number string Required	Deposit account number of the user you are looking up. Allowable Values: Existing 13-17 digit deposit account number.

Sample response body

JSON

{
  "token": "03cf3266-1e6c-43aa-833e-447d34e5ce26",
  "active": true,
  "gender": "M",
  "first_name": "John",
  "last_name": "Smith",
  "email": "john32@gmail.com",
  "address1": "6201 Doyle Street",
  "city": "Emeryville",
  "state": "CA",
  "postal_code": "94607",
  "country": "USA",
  "phone": "5105551212",
  "uses_parent_account": false,
  "password": "___________",
  "created_time": "2020-03-16T20:26:28Z",
  "last_modified_time": "2020-03-16T20:26:29Z",
  "metadata": {},
  "account_holder_group_token": "DEFAULT_AHG",
  "status": "ACTIVE",
  "identifications": [
    {
      "type": "DRIVERS_LICENSE",
      "value": "12345"
    }
  ],
  "birth_date": "1986-04-01"
}

Create deposit account transition

Action: POST
Endpoint: /depositaccounts/transitions Creates a transition record to activate, suspend, or deactivate a deposit account.

Warning
Accounts in the TERMINATED state cannot be transitioned to another state. TERMINATED is a final state.

Request body

Fields	Description
token string Optional	Unique identifier of the account transitions record. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 36 char max
account_token string Required	Unique identifier of the deposit account. Allowable Values: 36 char max
state string Required	Status of the account transitions record. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`
channel string Required	Channel associated with the account transitions record. Most account transitions use the `API` channel, and the `SYSTEM` channel is typically reserved for use by the Marqeta platform. For a detailed description of each of these values, see the `channel` field on the Card Transitions page. Allowable Values: `API`, `ADMIN`, `IVR`, `FRAUD`, `SYSTEM`
reason string Required	Explanation of why the account transitions record was created. Allowable Values: 255 char max

Response body

Fields	Description
token string Returned	Unique identifier of the account transitions record. Allowable Values: 36 char max
user_token OR business_token string Returned	Unique identifier of the user or business associated with the account transitions record. Allowable Values: 36 char max
account_token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
state string Returned	Status of the deposit account. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`
channel string Returned	Channel associated with the account transitions record. Allowable Values: `API`, `ADMIN`, `IVR`, `FRAUD`, `SYSTEM`
reason string Returned	Explanation of why the account transitions record was created. Allowable Values: 255 char max
created_time string Returned	Date and time when the deposit transition was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample request body

JSON

{
  "channel": "API",
  "account_token": "bf344baf-054b-420a-852f-cbedb3413b37",
  "reason": "Suspicious activity detected",
  "state": "SUSPENDED"
}

Sample response body

JSON

{
  "token": "a4e1237b-c335-4e39-acb7-bf942b2751fe",
  "user_token": "bd6772cc-3cd9-4004-8ef1-fa0743bf5d0d",
  "account_token": "bf344baf-054b-420a-852f-cbedb3413b37",
  "state": "SUSPENDED",
  "channel": "API",
  "created_time": "2020-11-15T20:27:50Z"
}

Retrieve deposit account transition

Action: GET
Endpoint: /depositaccounts/transitions/{token} Retrieves the specified deposit account transition.

URL path parameters

Fields	Description
token string Required	Unique identifier of the account transitions record. Allowable Values: 36 char max

Response body

Fields	Description
token string Returned	Unique identifier of the account transitions record. Allowable Values: 36 char max
user_token OR business_token string Returned	Unique identifier of the user or business associated with the account transitions record. Allowable Values: 36 char max
account_token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
state string Returned	Status of the account transitions record. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNACTIVATED`
channel string Returned	Channel associated with the account transitions record. Allowable Values: `API`, `ADMIN`, `IVR`, `FRAUD`, `SYSTEM`
reason string Returned	Explanation of why the account transitions record was created. Allowable Values: 255 char max
created_time string Returned	Date and time when the account transitions record was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample response body

JSON

{
  "token": "181033a3-3bd7-47b2-9f07-20fbfa053987",
  "user_token": "bd6772cc-3cd9-4004-8ef1-fa0743bf5d0d",
  "account_token": "bf377baf-054b-420a-852f-cbedb3413b37",
  "state": "SUSPENDED",
  "channel": "API",
  "reason": "Transitioned DDA",
  "created_time": "2020-10-18T19:48:35Z"
}

Retrieve all deposit account transitions

Action: GET
Endpoint: /depositaccounts/{user_token}/transitions Retrieves a list of all transitions of all accounts that are associated with the specified account holder. This endpoint supports pagination and field filtering.

URL path parameters

Fields	Description
user_token string Required	Unique identifier of the user whose account transitions you want to retrieve. Allowable Values: 36 char max

Response body

Fields	Description
token string Returned	Unique identifier of the account transitions record. Allowable Values: 36 char max
user_token string Returned	Unique identifier of the user whose account transitions you want to retrieve. Allowable Values: 36 char max
account_token string Returned	Unique identifier of the deposit account. Allowable Values: 36 char max
state string Returned	Status to which the deposit account was transitioned. Allowable Values: `ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNACTIVATED`
channel string Returned	Channel associated with the account transitions record. Allowable Values: `API`, `ADMIN`, `IVR`, `FRAUD`, `SYSTEM`
reason string Returned	Explanation of why the account transitions record was created. Allowable Values: 255 char max
created_time string Returned	Date and time when the account transitions record was created. Allowable Values: Format: yyyy-MM-dd’T’HH:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "token": "2de542ce-b168-4640-a17d-4701439b875d",
      "user_token": "bd6772cc-3cd9-4004-8ef1-fa0743bf5d0d",
      "account_token": "bf377baf-054b-420a-852f-cbedb3413b37",
      "state": "ACTIVE",
      "channel": "IVR",
      "created_time": "2020-10-15T20:32:45Z"
    },
    {
      "token": "8435b916-6fc9-4d60-b234-ae68e7addc4b",
      "user_token": "bd6772cc-3cd9-4004-8ef1-fa0743bf5d0d",
      "account_token": "b28fc1c9-d0b7-452c-9e88-4d17099114c3",
      "state": "UNACTIVATED",
      "channel": "SYSTEM",
      "reason": "CREATED DDA",
      "created_time": "2020-10-08T00:12:59Z"
    }
  ]
}

Retrieve customer due diligence information

Action: GET
Endpoint: /depositaccounts/{token}/cdd Retrieves a list of the customer due diligence (CDD) questions and answers associated with the specified account holder and DDA. For more information on CDD, see About Customer Due Diligence.

URL path parameters

Fields	Description
token string Required	Token identifying the DDA whose CDD questions and answers you want to retrieve. Allowable Values: 36 char max

Response body

Fields	Description
customer_due_diligence_list array of objects Returned	An array containing a `customer_due_diligence` object for each due diligence question/answer pair related to the specified account token. Each `customer_due_diligence` object contains the fields described in the customer_due_diligence data object. Allowable Values: An array of valid `customer_due_diligence` data objects.

The customer_due_diligence data object

Fields	Description
question string Returned	Unique identifier of the CDD question whose answer is stored in the `customer_due_diligence` object. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value, for example `dda_002_cdd_01_expmondep`.
answer string Returned	Unique identifier of the answer supplied by the account holder in response to the CDD question specified by `question`. Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table.
type string Returned	Type of account whose CDD data is contained in this object. Allowable Values: `CHECKING`
bank string Returned	Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value
token string Returned	Unique identifier of this CDD response. Allowable Values: 36 char max
account_token string Returned	Unique identifier of the associated deposit account. Allowable Values: 36 char max

Sample response body

JSON

{
  "customer_due_diligence_list": [
    {
      "question": "dda_002_cdd_01_expmondep",
      "answer": "2",
      "type": "CHECKING",
      "bank": "BankName",
      "token": "e691a7ae-f9ae-4184-a2e9-cf6bbc963e4a",
      "account_token": "1bb17a10-8d12-442b-95c0-1babd9a78f92"
    },
    {
      "question": "dda_002_cdd_02_naics",
      "answer": "6241",
      "type": "CHECKING",
      "bank": "BankName",
      "token": "e509fb2f-f55f-48de-a226-5456c6c78dd4",
      "account_token": "1bb17a10-8d12-442b-95c0-1babd9a78f92"
    }
  ]
}

Update customer due diligence information

Action: PUT
Endpoint: /depositaccounts/{token}/cdd/{cddtoken} Updates the answer to a customer due diligence (CDD) question associated with the specified account holder and DDA.

Note
Each CDD question must be updated separately; you cannot update multiple questions in a single request.

URL path parameters

Fields	Description
token string Required	Account token identifying the DDA whose CDD question you want to update. Allowable Values: Existing account token.
cddtoken string Required	Token identifying the CDD question whose answer you want to update. Allowable Values: Existing CDD token.

Request body

Fields	Description
answer string Required	The updated answer value to the CDD question specified by `cddtoken`. Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table.

Response body

Fields	Description
question string Returned	Unique identifier of the CDD question whose updated answer is specified by `answer`. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value, for example `dda_002_cdd_01_expmondep`.
answer string Returned	Unique identifier of the updated answer supplied by the account holder in response to the CDD question specified by `question`. Allowable Values: A valid answer ID from the Expected monthly deposits table or the Employment classification table.
type string Returned	Type of account whose CDD data is being updated. Allowable Values: `CHECKING`
bank string Returned	Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta. Allowable Values: A Marqeta-assigned value
token string Returned	Unique identifier of this CDD response. Allowable Values: 36 char max
account_token string Returned	Unique identifier of the associated deposit account. Allowable Values: 36 char max

Sample request body

JSON

{
  "answer": "4"
}

Sample response body

JSON

{
  "question": "dda_002_cdd_01_expmondep",
  "answer": "4",
  "type": "CHECKING",
  "bank": "pathward",
  "token": "e691a7ae-f9ae-4184-a2e9-cf6bbc963e4a",
  "account_token": "1bb17a10-8d12-442b-95c0-1babd9a78f92"
}

​Create deposit account

​Request body

​Response body

​Sample request body

​Sample response body

​Retrieve deposit account

​URL path parameters

​Response body

​Sample response body

​List deposit accounts

​URL path parameters

​Response body

​Sample response body

​Look up user by deposit account number

​Request body

​Sample response body

​Create deposit account transition

​Request body

​Response body

​Sample request body

​Sample response body

​Retrieve deposit account transition

​URL path parameters

​Response body

​Sample response body

​Retrieve all deposit account transitions

​URL path parameters

​Response body

​Sample response body

​Retrieve customer due diligence information

​URL path parameters

​Response body

​The customer_due_diligence data object

​Sample response body

​Update customer due diligence information

​URL path parameters

​Request body

​Response body

​Sample request body

​Sample response body

Create deposit account

Request body

Response body

Sample request body

Sample response body

Retrieve deposit account

URL path parameters

Response body

Sample response body

List deposit accounts

URL path parameters

Response body

Sample response body

Look up user by deposit account number

Request body

Sample response body

Create deposit account transition

Request body

Response body

Sample request body

Sample response body

Retrieve deposit account transition

URL path parameters

Response body

Sample response body

Retrieve all deposit account transitions

URL path parameters

Response body

Sample response body

Retrieve customer due diligence information

URL path parameters

Response body

The customer_due_diligence data object

Sample response body

Update customer due diligence information

URL path parameters

Request body

Response body

Sample request body

Sample response body