> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Deposit Accounts

> The Marqeta platform's deposit account feature enables you to manage the creation, maintenance, and lifecycle of a deposit account.

export const EndpointCard = ({method = "API", title, children, href, arrow = true}) => {
  const METHOD_STYLES = {
    GET: {
      bg: "mint-bg-green-400/20 dark:mint-bg-green-400/20",
      text: "mint-text-green-700 dark:mint-text-green-400",
      border: "mint-border-green-300 dark:mint-border-green-700"
    },
    POST: {
      bg: "mint-bg-blue-400/20 dark:mint-bg-blue-400/20",
      text: "mint-text-blue-700 dark:mint-text-blue-400"
    },
    PUT: {
      bg: "mint-bg-yellow-400/20 dark:mint-bg-yellow-400/20",
      text: "mint-text-yellow-700 dark:mint-text-yellow-400"
    },
    PATCH: {
      bg: "mint-bg-orange-400/20 dark:mint-bg-orange-400/20",
      text: "mint-text-orange-700 dark:mint-text-orange-400"
    },
    DELETE: {
      bg: "mint-bg-red-400/20 dark:mint-bg-red-400/20",
      text: "mint-text-red-700 dark:mint-text-red-400"
    },
    API: {
      bg: "mint-bg-black",
      text: "mint-text-white"
    }
  };
  const MethodBadge = ({method}) => {
    const style = METHOD_STYLES[method?.toUpperCase()] ?? METHOD_STYLES.GET;
    return <span className={`
          method-pill rounded-lg font-semibold px-1.5 py-0.5 text-xs leading-5 ${style.bg} ${style.text}`}>
        {method?.toUpperCase()}
      </span>;
  };
  const content = <div className="group flex items-center gap-4 border border-gray-200 dark:border-gray-700 rounded-xl p-5 hover:border-gray-400 dark:hover:border-gray-500 hover:shadow-md transition-all cursor-pointer">
      {}
      <div className="shrink-0">
        <MethodBadge method={method} />
      </div>
      {}
      <div className="flex-1 min-w-0">
        <p className="font-semibold text-gray-900 dark:text-white text-sm leading-snug">{title}</p>
        {children && <p className="mt-1 text-sm text-gray-500 dark:text-gray-400 line-clamp-2">{children}</p>}
      </div>
    </div>;
  if (!href) return content;
  return <a href={href} className="block no-underline border-b-0 mb-2">
      {content}
    </a>;
};

<Note>
  **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.
</Note>

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.

<h2 id="_create_deposit_account">
  Create deposit account
</h2>

**Action:** `POST`\
**Endpoint:** `/depositaccounts`

{/* <EndpointCard
title="Creates new direct deposit account for cardholder."
path="/depositaccounts"
method="post"
/> */}

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](/developer-guides/about-kyc/).

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>
  **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.
</Note>

<h3 id="_request_body">
  Request body
</h3>

| Fields                                                                                 | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| -------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Optional                                            | Unique identifier of the deposit account.<br /><br />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.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                 |
| user\_token OR business\_token<br /><br />string<br /><br />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.<br /><br />**Allowable Values:**<br /><br />Existing user or business token.<br /><br />**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<br /><br />string<br /><br />Optional                                             | Type of deposit account being created.<br /><br />**Allowable Values:**<br /><br />- `DEPOSIT_ACCOUNT`: An ACH account that supports automatic direct deposit transactions. Reserved for prepaid card programs.<br />- `CHECKING`: A consumer Demand Deposit Account (DDA) offering features typically associated with checking accounts.<br /><br />**Default value:**<br />`DEPOSIT_ACCOUNT`<br /><br />**NOTE:** This field is not returned in the response.                                       |
| customer\_due\_diligence<br /><br />array of objects<br /><br />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 <a href="/developer-guides/about-customer-due-diligence/">About Customer Due Diligence</a>.<br /><br />**Allowable Values:**<br /><br />Array of objects with valid CDD question/answer pairs, as described in <a href="/developer-guides/about-customer-due-diligence/#_cdd_data_object">CDD Data Object</a>. |

<h3 id="_response_body">
  Response body
</h3>

| Fields                                                               | Description                                                                                                                           |
| -------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------- |
| account\_number<br /><br />string<br /><br />Returned                | Account number assigned to the deposit account.<br /><br />**Allowable Values:**<br /><br />13-17 char max, depending on the program. |
| routing\_number<br /><br />string<br /><br />Returned                | Routing number assigned to the deposit account.<br /><br />**Allowable Values:**<br /><br />9 char max                                |
| token<br /><br />string<br /><br />Returned                          | Unique identifier of the deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max                                     |
| user\_token OR business\_token<br /><br />string<br /><br />Returned | User or business to whom the deposit account belongs.<br /><br />**Allowable Values:**<br /><br />36 char max                         |
| state<br /><br />string<br /><br />Returned                          | Status of the deposit account.<br /><br />**Allowable Values:**<br /><br />`ACTIVE`                                                   |
| type<br /><br />string<br /><br />Returned                           | Type of deposit account created.<br /><br />**Allowable Values:**<br /><br />`DEPOSIT_ACCOUNT`, `CHECKING`                            |
| created\_time<br /><br />string<br /><br />Returned                  | Date and time when the deposit account was created.<br /><br />**Allowable Values:**<br /><br />Format: yyyy-MM-dd’T’HH:mm:ssZ        |
| last\_modified\_time<br /><br />string<br /><br />Returned           | Date and time when the deposit account was last modified.<br /><br />**Allowable Values:**<br /><br />Format: yyyy-MM-dd’T’HH:mm:ssZ  |

<h3 id="_sample_request_body">
  Sample request body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
    }
  ]
}
```

<h3 id="_sample_response_body">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
}
```

<h2 id="_retrieve_deposit_account">
  Retrieve deposit account
</h2>

**Action:** `GET`\
**Endpoint:** `/depositaccounts/{token}`

{/* <EndpointCard
title="Get direct deposit account."
path="/depositaccounts/{token}"
method="get"
/> */}

Retrieves a specified deposit account. Include the `token` path parameter to indicate the deposit account to retrieve.

<h3 id="_url_path_parameters">
  URL path parameters
</h3>

| Fields                                      | Description                                                                                               |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Required | Token of the deposit account.<br /><br />**Allowable Values:**<br /><br />Existing deposit account token. |

<h3 id="_response_body_2">
  Response body
</h3>

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

<h3 id="_sample_response_body_2">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
}
```

<h2 id="_list_deposit_accounts">
  List deposit accounts
</h2>

**Action:** `GET`\
**Endpoint:** `/depositaccounts/user/{token}`

{/* <EndpointCard
title="List all specific direct deposit accounts."
path="/depositaccounts/user/{token}"
method="get"
/> */}

Retrieves a list of all the deposit accounts associated with the specified account holder.

This endpoint supports [pagination](/core-api/sorting-and-pagination/) and [field filtering](/core-api/field-filtering/).

<h3 id="_url_path_parameters_2">
  URL path parameters
</h3>

| Fields                                      | Description                                                                                                                                 |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Required | Token identifying the user or business whose deposit accounts you want to retrieve.<br /><br />**Allowable Values:**<br /><br />36 char max |

<h3 id="_response_body_3">
  Response body
</h3>

| Fields                                                               | Description                                                                                                                            |
| -------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| account\_number<br /><br />string<br /><br />Returned                | Account number assigned to the deposit account.<br /><br />**Allowable Values:**<br /><br />13-17 char max, depending on the program.  |
| routing\_number<br /><br />string<br /><br />Returned                | Routing number assigned to the deposit account.<br /><br />**Allowable Values:**<br /><br />9 char max                                 |
| token<br /><br />string<br /><br />Returned                          | Unique identifier of the deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max                                      |
| user\_token OR business\_token<br /><br />string<br /><br />Returned | Unique identifier of the user or business associated with the deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max |
| state<br /><br />string<br /><br />Returned                          | Status of the deposit account.<br /><br />**Allowable Values:**<br /><br />`ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNACTIVATED`          |
| type<br /><br />string<br /><br />Returned                           | Type of deposit account.<br /><br />**Allowable Values:**<br /><br />`DEPOSIT_ACCOUNT`, `CHECKING`                                     |
| created\_time<br /><br />string<br /><br />Returned                  | Date and time when the deposit account was created.<br /><br />**Allowable Values:**<br /><br />Format: yyyy-MM-dd’T’HH:mm:ssZ         |
| last\_modified\_time<br /><br />string<br /><br />Returned           | Date and time when the deposit account was last modified.<br /><br />**Allowable Values:**<br /><br />Format: yyyy-MM-dd’T’HH:mm:ssZ   |

<h3 id="_sample_response_body_3">
  Sample response body
</h3>

```json JSON expandable lines wrap theme={null}
{
  "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"
    }
  ]
}
```

<h2 id="_look_up_user_by_deposit_account_number">
  Look up user by deposit account number
</h2>

**Action:** `POST`\
**Endpoint:** `/depositaccounts/account/user`

{/* <EndpointCard
title="Looks up a user by their associated plain text deposit account number."
path="/depositaccounts/account/user"
method="post"
/> */}

Looks up a user by their associated plain text deposit account number.

<h3 id="_request_body_2">
  Request body
</h3>

| Fields                                                | Description                                                                                                                                     |
| ----------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------- |
| account\_number<br /><br />string<br /><br />Required | Deposit account number of the user you are looking up.<br /><br />**Allowable Values:**<br /><br />Existing 13-17 digit deposit account number. |

<h3 id="_sample_response_body_4">
  Sample response body
</h3>

```json JSON expandable lines wrap theme={null}
{
  "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"
}
```

<h2 id="_create_deposit_account_transition">
  Create deposit account transition
</h2>

**Action:** `POST`\
**Endpoint:** `/depositaccounts/transitions`

{/* <EndpointCard
title="Creates new transition for a direct deposit account."
path="/depositaccounts/transitions"
method="post"
/> */}

Creates a transition record to activate, suspend, or deactivate a deposit account.

<Danger>
  **Warning**\
  Accounts in the `TERMINATED` state cannot be transitioned to another state. `TERMINATED` is a final state.
</Danger>

<h3 id="_request_body_3">
  Request body
</h3>

| Fields                                               | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| ---------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Optional          | Unique identifier of the account transitions record.<br /><br />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.<br /><br />**Allowable Values:**<br /><br />36 char max                                                           |
| account\_token<br /><br />string<br /><br />Required | Unique identifier of the deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                                                                                                                                                                                                                                                          |
| state<br /><br />string<br /><br />Required          | Status of the account transitions record.<br /><br />**Allowable Values:**<br /><br />`ACTIVE`, `SUSPENDED`, `TERMINATED`                                                                                                                                                                                                                                                                                                                                  |
| channel<br /><br />string<br /><br />Required        | Channel associated with the account transitions record.<br /><br />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 <a href="/core-api/card-transitions/#_response_body">`channel` field on the Card Transitions page</a>.<br /><br />**Allowable Values:**<br /><br />`API`, `ADMIN`, `IVR`, `FRAUD`, `SYSTEM` |
| reason<br /><br />string<br /><br />Required         | Explanation of why the account transitions record was created.<br /><br />**Allowable Values:**<br /><br />255 char max                                                                                                                                                                                                                                                                                                                                    |

<h3 id="_response_body_4">
  Response body
</h3>

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

<h3 id="_sample_request_body_2">
  Sample request body
</h3>

```json JSON lines wrap theme={null}
{
  "channel": "API",
  "account_token": "bf344baf-054b-420a-852f-cbedb3413b37",
  "reason": "Suspicious activity detected",
  "state": "SUSPENDED"
}
```

<h3 id="_sample_response_body_5">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
}
```

<h2 id="_retrieve_deposit_account_transition">
  Retrieve deposit account transition
</h2>

**Action:** `GET`\
**Endpoint:** `/depositaccounts/transitions/{token}`

{/* <EndpointCard
title="Get direct deposit account transition."
path="/depositaccounts/transitions/{token}"
method="get"
/> */}

Retrieves the specified deposit account transition.

<h3 id="_url_path_parameters_3">
  URL path parameters
</h3>

| Fields                                      | Description                                                                                                  |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------ |
| token<br /><br />string<br /><br />Required | Unique identifier of the account transitions record.<br /><br />**Allowable Values:**<br /><br />36 char max |

<h3 id="_response_body_5">
  Response body
</h3>

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

<h3 id="_sample_response_body_6">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
}
```

<h2 id="_retrieve_all_deposit_account_transitions">
  Retrieve all deposit account transitions
</h2>

**Action:** `GET`\
**Endpoint:** `/depositaccounts/{user_token}/transitions`

{/* <EndpointCard
title="Get direct deposit account transition list for card holder."
path="/depositaccounts/{user\_token}/transitions"
method="get"
/> */}

Retrieves a list of all transitions of all accounts that are associated with the specified account holder.

This endpoint supports [pagination](/core-api/sorting-and-pagination/) and [field filtering](/core-api/field-filtering/).

<h3 id="_url_path_parameters_4">
  URL path parameters
</h3>

| Fields                                            | Description                                                                                                                           |
| ------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------- |
| user\_token<br /><br />string<br /><br />Required | Unique identifier of the user whose account transitions you want to retrieve.<br /><br />**Allowable Values:**<br /><br />36 char max |

<h3 id="_response_body_6">
  Response body
</h3>

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

<h3 id="_sample_response_body_7">
  Sample response body
</h3>

```json JSON expandable lines wrap theme={null}
{
  "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"
    }
  ]
}
```

<h2 id="_retrieve_customer_due_diligence_information">
  Retrieve customer due diligence information
</h2>

**Action:** `GET`\
**Endpoint:** `/depositaccounts/{token}/cdd`

{/* <EndpointCard
title="Get direct deposit account transition list for card holder."
path="/depositaccounts/{token}/cdd"
method="get"
/> */}

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](/developer-guides/about-customer-due-diligence/).

<h3 id="_url_path_parameters_5">
  URL path parameters
</h3>

| Fields                                      | Description                                                                                                                             |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Required | Token identifying the DDA whose CDD questions and answers you want to retrieve.<br /><br />**Allowable Values:**<br /><br />36 char max |

<h3 id="_response_body_7">
  Response body
</h3>

| Fields                                                                         | Description                                                                                                                                                                                                                                                                                                                                                                                                                      |
| ------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| customer\_due\_diligence\_list<br /><br />array of objects<br /><br />Returned | An array containing a `customer_due_diligence` object for each due diligence question/answer pair related to the specified account token.<br /><br />Each `customer_due_diligence` object contains the fields described in the <a href="#_the_customer_due_diligence_data_object">customer\_due\_diligence data object</a>.<br /><br />**Allowable Values:**<br /><br />An array of valid `customer_due_diligence` data objects. |

<h3 id="_the_customer_due_diligence_data_object">
  The customer\_due\_diligence data object
</h3>

| Fields                                               | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| ---------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| question<br /><br />string<br /><br />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.<br /><br />**Allowable Values:**<br /><br />A Marqeta-assigned value, for example `dda_002_cdd_01_expmondep`.                                                                                                                                                                                                                   |
| answer<br /><br />string<br /><br />Returned         | Unique identifier of the answer supplied by the account holder in response to the CDD question specified by `question`.<br /><br />**Allowable Values:**<br /><br />A valid answer ID from the <a href="/developer-guides/about-customer-due-diligence/#_question_1_expected_monthly_deposits">Expected monthly deposits table</a> or the <a href="/developer-guides/about-customer-due-diligence/#_question_2_employment_classification">Employment classification table</a>. |
| type<br /><br />string<br /><br />Returned           | Type of account whose CDD data is contained in this object.<br /><br />**Allowable Values:**<br /><br />`CHECKING`                                                                                                                                                                                                                                                                                                                                                             |
| bank<br /><br />string<br /><br />Returned           | Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta.<br /><br />**Allowable Values:**<br /><br />A Marqeta-assigned value                                                                                                                                                                                                                                                                                   |
| token<br /><br />string<br /><br />Returned          | Unique identifier of this CDD response.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                                                                                                                                                                                                                                                                                |
| account\_token<br /><br />string<br /><br />Returned | Unique identifier of the associated deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                                                                                                                                                                                                                                                                   |

<h3 id="_sample_response_body_8">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
    }
  ]
}
```

<h2 id="_update_customer_due_diligence_information">
  Update customer due diligence information
</h2>

**Action:** `PUT`\
**Endpoint:** `/depositaccounts/{token}/cdd/{cddtoken}`

{/* <EndpointCard
title="Update CDD answers for Direct Deposit Account"
path="/depositaccounts/{token}/cdd/{cddtoken}"
method="put"
/> */}

Updates the answer to a customer due diligence (CDD) question associated with the specified account holder and DDA.

<Note>
  **Note**\
  Each CDD question must be updated separately; you cannot update multiple questions in a single request.
</Note>

<h3 id="_url_path_parameters_6">
  URL path parameters
</h3>

| Fields                                         | Description                                                                                                                                  |
| ---------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| token<br /><br />string<br /><br />Required    | Account token identifying the DDA whose CDD question you want to update.<br /><br />**Allowable Values:**<br /><br />Existing account token. |
| cddtoken<br /><br />string<br /><br />Required | Token identifying the CDD question whose answer you want to update.<br /><br />**Allowable Values:**<br /><br />Existing CDD token.          |

<h3 id="_request_body_4">
  Request body
</h3>

| Fields                                       | Description                                                                                                                                                                                                                                                                                                                                                                                                                  |
| -------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| answer<br /><br />string<br /><br />Required | The updated answer value to the CDD question specified by `cddtoken`.<br /><br />**Allowable Values:**<br /><br />A valid answer ID from the <a href="/developer-guides/about-customer-due-diligence/#_question_1_expected_monthly_deposits">Expected monthly deposits table</a> or the <a href="/developer-guides/about-customer-due-diligence/#_question_2_employment_classification">Employment classification table</a>. |

<h3 id="_response_body_8">
  Response body
</h3>

| Fields                                               | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| ---------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| question<br /><br />string<br /><br />Returned       | Unique identifier of the CDD question whose updated answer is specified by `answer`. This value is provided to you by Marqeta.<br /><br />**Allowable Values:**<br /><br />A Marqeta-assigned value, for example `dda_002_cdd_01_expmondep`.                                                                                                                                                                                                                                           |
| answer<br /><br />string<br /><br />Returned         | Unique identifier of the updated answer supplied by the account holder in response to the CDD question specified by `question`.<br /><br />**Allowable Values:**<br /><br />A valid answer ID from the <a href="/developer-guides/about-customer-due-diligence/#_question_1_expected_monthly_deposits">Expected monthly deposits table</a> or the <a href="/developer-guides/about-customer-due-diligence/#_question_2_employment_classification">Employment classification table</a>. |
| type<br /><br />string<br /><br />Returned           | Type of account whose CDD data is being updated.<br /><br />**Allowable Values:**<br /><br />`CHECKING`                                                                                                                                                                                                                                                                                                                                                                                |
| bank<br /><br />string<br /><br />Returned           | Name of the financial institution requesting these CDD questions and answers. This value is provided to you by Marqeta.<br /><br />**Allowable Values:**<br /><br />A Marqeta-assigned value                                                                                                                                                                                                                                                                                           |
| token<br /><br />string<br /><br />Returned          | Unique identifier of this CDD response.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                                                                                                                                                                                                                                                                                        |
| account\_token<br /><br />string<br /><br />Returned | Unique identifier of the associated deposit account.<br /><br />**Allowable Values:**<br /><br />36 char max                                                                                                                                                                                                                                                                                                                                                                           |

<h3 id="_sample_request_body_3">
  Sample request body
</h3>

```json JSON lines wrap theme={null}
{
  "answer": "4"
}
```

<h3 id="_sample_response_body_9">
  Sample response body
</h3>

```json JSON lines wrap theme={null}
{
  "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"
}
```