External Bank Accounts

Bank-level external bank accounts

Partners can connect external bank accounts by providing raw routing details.

The external bank account must be owned by KYC'd/KYB'd accounts on the Cybrid platform.
Supported for bank-level external bank accounts only (not customer-level).
Both sandbox and production environments require manual configuration.

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Manual setup required
Contact partner support to complete the setup.

Account creation

You can create accounts for a Bank or a Customer.

To create accounts for your Bank, omit the customer_guid parameter in the request body. To create accounts for your Customers, include the customer_guid parameter in the request body.

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ACH pull transfers
Only bank accounts connected via Plaid are supported for ACH pull transfers. Manual entry of bank account details is not supported for ACH pulls; Plaid connection is required.

State

State	Description
`storing`	The Platform is storing the external bank account details in our private store
`completed`	The Platform has created the external bank account
`unverified`	The external bank account is created, but it has not yet been verified
`failed`	The Platform was not able to successfully create the external bank account
`refresh_required`	The Platform has created the external bank account, but needs to be refreshed
`deleting`	The Platform is deleting the external bank account
`deleted`	The Platform has deleted the external bank account

Failure codes

Code	Description
`invalid_routing_number`	The provided routing number is invalid
`invalid_account_number`	The account number is invalid
`invalid_account_type`	The account type is invalid
`duplicate`	An account with the same details already exists. This typically means the bank account has already been added previously, and attempting to add it again will result in a `failed` state with the `duplicate` failure code.
`plaid_processor_token`	An account could not be created due to an invalid Plaid processor token or an error with Plaid
`plaid_multiple_accounts`	The supplied Plaid token is associated with multiple accounts. Must only be a single account.
`create_failed`	The bank account and associated holder could not be created correctly
`unverified_counterparty`	The counterparty account is unverified