Deposit Account APIs

Create Deposit Account

Creates a deposit account for a Customer (or customers). An account.created event is raised when the call was successful.

Each deposit account is created using a specific deposit product. A deposit product is a predefined set of terms associated with this deposit account (e.g. interest rate, spending limits).

Use checking as the default value for the deposit product field while building your solution in sandbox . Contact Unit to create other deposit products under your organization.

Deposit Account creation request supports Idempotency, ensuring that performing multiple identical requests will have the same effect as performing a single request.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts`
Required Scope	`accounts-write`
Data Type	`depositAccount`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
depositProduct	string	The name of the deposit product.
tags Optional	object	Optional. See Tags.
idempotencyKey Optional	string	Optional. See Idempotency.

Relationships

Name	Type	Description
customer	Required for individual / business accounts. JSON:API Relationship	The customer the deposit account belongs to. The customer is either a business or an individual.
customers	Required for joint accounts. Array of JSON:API Relationship	The list of customers the deposit account belongs to. Each of the customers is an individual customer and at least one must be over 18 years old.

Important Info

You must provide exactly one of customer or customers.

Example Request:

curl -X POST 'https://api.s.unit.sh/accounts'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "depositAccount",
    "attributes": {
      "depositProduct": "checking",
      "tags": {
        "purpose": "checking"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data	DepositAccount	The requested resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "depositAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "depositProduct": "checking",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "checking"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      }
    }
  }
}

Close Account

Closes an account. Closing an account is irreversible and can only be done by an Org user. An account.closed event is raised when the call was successful.

Note

Closing an account will also close the cards associated with the account.

Suggestion

When closing an account with a balance of $1 or less, the funds will automatically be transferred to your organization's revenue account (see more at Account Low Balance Closure). When closing an account with a balance greater than $1, a check will be mailed to the business or individual address on file.

When closing an account with a negative balance, the balance will be considered a loss, and will be covered from your reserve account

Note

Account closure checks are operationally issued by the partner bank/check processor. Check template and signer fields are not configurable through Unit API endpoints.

If you need to reissue an account closure check or get reissue status, contact Unit Support. There is currently no public API endpoint for closure-check reissue management or status lookup.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts/:accountId/close`
Required Scope	`accounts-write`
Data Type	`depositAccountClose`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
reason	string	The reason for closing the account. Either `ByCustomer`, `Fraud`, `ByBank`, or `NegativeBalance`.
fraudReason Optional	string	Optional. The expanded fraud reason for closing the account when `Fraud` is specified as the reason. Can be one of: (`ACHActivity`, `CardActivity`, `CheckActivity`, `ApplicationHistory`, `AccountActivity`, `ClientIdentified`, `IdentityTheft`, `LinkedToFraudulentCustomer`).
bankReason Optional	string	Optional. The expanded bank reason for closing the account when `ByBank` is specified as the reason. Can be one of: (`ProhibitedBusiness`, `MissingCddEdd`, `NonUsOperations`, `SuspectedFraud`). This list is subject to change.

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/close'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "depositAccountClose",
    "attributes": {
      "reason": "ByCustomer"
    }
  }
}'

Reopen Account

Reopens an account.

Important Info

Reopening an account will not reopen cards associated with the account. Closed cards cannot be reactivated.

Note

This API can only be used to reopen accounts which were closed by customers. In order to reopen an account that was closed due to fraud, please contact Unit.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts/:accountId/reopen`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/reopen'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'

Freeze Account

Freezes an account. An account.frozen event is raised when the call was successful. A frozen account behaves like a closed account, with the primary difference being that a frozen state should be temporary, and after evaluation should either be un-frozen, or closed.

Note

Freezing an account will also freeze the cards associated with the account.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts/:accountId/freeze`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
reason	string	The reason for closing the account. Either `Fraud` or `Other`, with a specified `reasonText`.
reasonText Optional	string	Optional. The free-text reason for freezing the account (up to 255 characters) when `Other` is specified.

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/freeze'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "accountFreeze",
    "attributes": {
      "reason": "Other",
      "reasonText": "Per request from customer"
    }
  }
}'

Unfreeze Account

Unfreezes an account.

Note

Unfreezing an account will also unfreeze the cards associated with the account.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts/:accountId/unfreeze`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/unfreeze'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'

Get by Id

Get a deposit account resource by id.

Verb	`GET`
URL	`https://api.s.unit.sh/accounts/{id}`
Required Scope	`accounts`
Timeout (Seconds)	`5`

Query Parameters

Name	Type	Default	Description
include	string	(empty)	Optional. Related resource available to include: `customer`. See Getting Related Resources
extraFields[account]	string	(empty)	Optional. Use `extraFields[account]=interestTerms` to include the `interestTerms` object in the account's attributes section of the response.

Note

To retrieve interest-related data in the account response, add the following query parameter to your request: extraFields[account]=interestTerms.

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	The requested resource after the operation was completed.
included	Array of Customer	Array of resources requested by the `include` query parameter.

curl -X GET 'https://api.s.unit.sh/accounts/42' \
-H "Authorization: Bearer ${TOKEN}"

List

List deposit account resources. Paging can be applied.

Verb	`GET`
URL	`https://api.s.unit.sh/accounts`
Required Scope	`accounts`
Timeout (Seconds)	`5`

Query Parameters

Name	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 10000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[customerId]	string	(empty)	Optional. Filters the results by the specified customer id.
filter[depositProductId]	string	(empty)	Optional. Filters the results by the specified deposit product id.
filter[tags]	Tags (JSON)	(empty)	Optional. Filter Accounts by Tags.
filter[status]	string	Authorized	Optional. Filter Account by its status (`Open`, `Frozen`, or `Closed`). Usage example: filter[status][0]=Closed
filter[fromBalance]	Integer	(empty)	Optional. Filters Accounts that have balance higher or equal to the specified amount (in cents). e.g. `5000`
filter[toBalance]	Integer	(empty)	Optional. Filters Accounts that have balance lower or equal to the specified amount (in cents). e.g. `7000`
include	string	(empty)	Optional. Related resource available to include: `customer`. See Getting Related Resources

curl -X GET 'https://api.s.unit.sh/accounts?page[limit]=20&page[offset]=10' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Array of DepositAccount	Array of deposit account resources.
included	Array of Customer	Array of resources requested by the `include` query parameter.

Example Response:
{
  "data": [
    {
      "type": "depositAccount",
      "id": "42",
      "attributes": {
        "createdAt": "2000-05-11T10:19:30.409Z",
        "name": "Peter Parker",
        "status": "Open",
        "depositProduct": "checking",
        "routingNumber": "812345678",
        "accountNumber": "1000000002",
        "currency": "USD",
        "balance": 10000,
        "hold": 0,
        "available": 10000,
        "tags": {
          "purpose": "tax"
        }
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "45555"
          }
        }
      }
    }
  ]
}

Update

Update a deposit account.

Verb	`PATCH`
URL	`https://api.s.unit.sh/accounts/:accountId`
Data Type	`depositAccount`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags Optional	object	Optional. See Updating Tags.
depositProduct Optional	string	Optional. Name of the selected deposit product (you can get the list of available deposit products using a dedicated API endpoint).

Note

Deposit product replacement API is not enabled by default for all customers. Please contact Unit if you need to enable this functionality.

curl -X PATCH 'https://api.s.unit.sh/accounts/42'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "depositAccount",
    "attributes": {
      "tags": {
        "purpose": "Tax",
        "trackUserId": null,
        "newTag": "New tag value"
      },
      "depositProduct": "checking"
    }
  }
}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	The requested resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "depositAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "depositProduct": "checking",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "checking"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      }
    }
  }
}

Account Hold

An account hold temporarily reserves a specified amount of funds in the account balance, making that amount unavailable for other transactions. While the hold reduces the account's available balance, the held funds remain in the account and are not transferred. When creating an AccountHold, the specified hold amount is deducted from the available balance, but the total balance remains unchanged.

Create Account Hold

Verb	`POST`
URL	`https://api.s.unit.sh/account-holds`
Data Type	`createAccountHoldJson`
Timeout (Seconds)	`5`

Attributes

Field	type	Default	Description
amount	integer	(empty)	The amount (in cents).
expiredAt	RFC3339 Date string	(empty)	Optional. Date only (e.g. `"2001-08-15"`). the date the account hold will be automatically released at.
description	string	72	Description of the `AccountHold` (maximum of 80 characters).
idempotencyKey	string	72	See Idempotency.

Relationships

Name	Type	Description
account	JSON:API Relationship	The Deposit Account from which the funds will be held.

Example Request:

curl -X POST 'https://api.s.unit.sh/account-holds'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "accountHold",
    "attributes": {
      "amount": 6000,
      "expiredAt": "2024-10-29",
      "description": "Hold reason",
      "idempotencyKey": "1234567890"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "158853345345"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data	Account Hold	The created `AccountHold` resource.

Example response:
{
  "data": {
    "type": "accountHold",
    "id": "7345432",
    "attributes": {
      "createdAt": "2024-10-02T12:39:25.107Z",
      "expiredAt": "2024-10-10",
      "status": "Active",
      "amount": 4433,
      "description": "Dispute investigation hold"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "158853345"
        }
      }
    }
  }
}

Release Account Hold

You can release an account hold fully (entire amount) or partially (a specified amount).

Action	Method	Endpoint	Body Required	Resulting Status
Full Release	POST	/account-holds/:id/release	No	`Released`
Partial Release	POST	/account-holds/:id/release	Yes	`PartiallyReleased`

Full Release

Releases the entire hold amount. No request body is required.

Verb	`POST`
URL	`https://api.s.unit.sh/account-holds/:id/release`
Timeout (Seconds)	`5`

Example Request (Full Release):

curl -X POST 'https://api.s.unit.sh/account-holds/:id/release'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'

Partial Release

Releases a portion of the hold. Requires request body with amount (in cents) and an idempotencyKey.

Verb	`POST`
URL	`https://api.s.unit.sh/account-holds/:id/release`
Data Type	`accountHold`
Timeout (Seconds)	`5`

Attributes

Field	type	Required	Description
amount	integer	Yes	The amount (in cents) to release from the hold. The hold status will become `PartiallyReleased`.
idempotencyKey	string	Yes	See Idempotency.

Example Request (Partial Release):

curl -X POST 'https://api.s.unit.sh/account-holds/:id/release'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "accountHold",
    "attributes": {
      "amount": 2500,
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

200 Ok

Name	Type	Description
data	Account Hold	The released `AccountHold` resource.

Note

Use Full Release if you want to release the entire hold (no body required). Use Partial Release if you want to release a portion of the hold (body required). The hold status will update to either Released or PartiallyReleased depending on your request.

Example response:
{
  "data": {
    "type": "accountHold",
    "id": "7345432",
    "attributes": {
      "createdAt": "2024-10-02T12:39:25.107Z",
      "releasedAt": "2024-10-10",
      "expiredAt": "2024-10-10",
      "status": "Released",
      "amount": 4433,
      "description": "Dispute investigation hold"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "158853345"
        }
      }
    }
  }
}

Get Account Hold by Id

Verb	`GET`
URL	`https://api.s.unit.sh/account-holds/{id}`
Timeout (Seconds)	`5`

curl -X GET 'https://api.s.unit.sh/account-holds/1' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Account Hold	AccountHold resource.

Example response:
{
  "data": {
    "type": "accountHold",
    "id": "7345432",
    "attributes": {
      "createdAt": "2024-10-02T12:39:25.107Z",
      "expiredAt": "2024-10-10",
      "status": "Active",
      "amount": 4433,
      "description": "Dispute investigation hold"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "158853345"
        }
      }
    }
  }
}

List Account Holds

List account hold resources. Paging can be applied.

Verb	`GET`
URL	`https://api.s.unit.sh/account-holds`
Timeout (Seconds)	`5`

Query Parameters

Field	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 10000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[status][]	string	(empty)	Optional. Filter by status. Can be one of the following values: `Active`, `Released`, `PartiallyReleased`.
filter[expiredAt]	RFC3339 Date string	(empty)	Optional. Date only (e.g. `"2001-08-15"`). the date the account hold will be automatically released at.

curl -X GET 'https://api.s.unit.sh/account-holds?page[limit]=20&page[offset]=10' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Array of Account Hold	Array of account hold resources.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (estimated total items).

Example response:
{
  "data": [
    {
      "type": "accountHold",
      "id": "7345432",
      "attributes": {
        "createdAt": "2024-10-01T12:39:25.107Z",
        "expiredAt": "2024-10-10",
        "status": "Active",
        "amount": 4433,
        "description": "Dispute investigation hold"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "account",
            "id": "158853345"
          }
        }
      }
    },
    {
      "type": "accountHold",
      "id": "4445488",
      "attributes": {
        "createdAt": "2024-10-01T12:39:25.107Z",
        "expiredAt": "2024-10-10",
        "status": "PartiallyReleased",
        "amount": 5000,
        "remainingHoldAmount": 2500,
        "description": "Check deposit hold"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "account",
            "id": "158853345"
          }
        }
      }
    },
    {
      "type": "accountHold",
      "id": "6543453453",
      "attributes": {
        "createdAt": "2024-10-03T12:23:39.169Z",
        "releasedAt": "2024-10-10",
        "status": "Released",
        "amount": 3400,
        "expiredAt": "2024-10-10",
        "tags": {
          "tagKey": "tagValue"
        },
        "description": "Processor payout pending"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "account",
            "id": "158853345"
          }
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "total": 100,
      "limit": 100,
      "offset": 0
    }
  }
}

Limits

Verb	`GET`
URL	`https://api.s.unit.sh/accounts/:accountId/limits`
Timeout (Seconds)	`5`

curl -X GET 'https://api.s.unit.sh/accounts/10104/limits' \
-H "Authorization: Bearer ${TOKEN}"

Some monetary transactions (such as originating ACH payments, ATM withdrawals or deposits) are subject to daily and/or monthly amount limits that are defined on the account level. You can read more about the account limits on our limits guide.

The response to this API call includes the defined limits, as well as the current total amounts on each transaction type (under the totalsDaily and totalsMonthly fields), in cents.

The limits and totals fields reflect the deposit product configuration and usage. Override amounts are not merged into limits; when an active account limit override exists for a rail, that rail’s object (for example ach, wire, checkDeposit, checkPayment, or bookTransfer) also includes an override field. override contains status, optional expiredAt, and values with the override limit amounts in cents (the shape of values depends on the rail). Only active overrides are surfaced here; cancelled overrides are omitted.

When an override has an expiredAt date, it stops applying at 17:00 Eastern Time on that calendar date.

Credit accounts: limit responses for credit accounts are not enriched with override blocks (overrides apply to deposit and wallet accounts). Card limits do not support overrides.

Note

The daily limits reset at 12:00 a.m. in the timezone of relevant bank. The monthly limits are reset at the same time on the first of each month.

{
  "data": {
    "type": "limits",
    "id": "10104",
    "attributes": {
      "ach": {
        "limits": {
          "dailyDebit": 50000,
          "dailyCredit": 50000,
          "monthlyDebit": 2000000,
          "monthlyCredit": 2000000,
          "dailyDebitSoft": 50000,
          "monthlyDebitSoft": 2000000
        },
        "totalsDaily": {
          "debits": 25000,
          "credits": 10000
        },
        "totalsMonthly": {
          "debits": 800300,
          "credits": 250000
        },
        "override": {
          "status": "Active",
          "expiredAt": "2025-12-31",
          "values": {
            "dailyDebit": 100000,
            "dailyCredit": 100000,
            "monthlyDebit": 500000,
            "monthlyCredit": 500000
          }
        }
      },
      "card": {
        "limits": {
          "dailyWithdrawal": 2000000,
          "dailyDeposit": 2000000,
          "dailyPurchase": 2000000,
          "dailyCardTransaction": 2000000
        },
        "totalsDaily": {
          "withdrawals": 0,
          "deposits": 0,
          "purchases": 0,
          "cardTransactions": 0
        }
      },
      "checkDeposit": {
        "limits": {
          "daily": 100000,
          "monthly": 2000000,
          "dailySoft": 50000,
          "monthlySoft": 1000000
        },
        "totalsDaily": 0,
        "totalsMonthly": 0
      },
      "wire": {
        "limits": {
          "dailyTransfer": 20000,
          "monthlyTransfer": 20000000,
          "dailyTransferSoft": 0,
          "monthlyTransferSoft": 0
        },
        "totalsDaily": {
          "transfers": 5000
        },
        "totalsMonthly": {
          "transfers": 5000
        },
        "override": {
          "status": "Active",
          "expiredAt": null,
          "values": {
            "daily": 5000000,
            "monthly": 20000000
          }
        }
      },
      "checkPayment": {
        "limits": {
          "dailySent": 20000000,
          "monthlySent": 20000000,
          "dailySentSoft": 10000000,
          "monthlySentSoft": 10000000
        },
        "totalsDaily": {
          "sent": 5000
        },
        "totalsMonthly": {
          "sent": 5000
        }
      }
    }
  }
}

Account limit overrides

Account limit overrides adjust ACH, wire, check deposit, check payment, or book transfer limits for a deposit account or wallet account without changing its deposit product or wallet terms. Card limits cannot be overridden. Overrides can be used for temporary limit increases, pilots, or other cases agreed with Unit.

Each override is a JSON:API resource tied to an account. Create requests require an idempotencyKey and at least one limit field (the exact fields depend on the override type). Amounts are in cents. Optional expiredAt (date only) sets the calendar day when the override ends; it stops applying at 17:00 Eastern Time on that date.

Override resource type is one of: achLimitOverride, wireLimitOverride, checkDepositLimitOverride, checkPaymentLimitOverride, bookTransferLimitOverride.

Access and permissions

Use an Org API token tied to a Dashboard user with the right role. Customer tokens cannot call these endpoints.

Action	Role
List overrides or get an override by id	Bank Operations (Read-only)
Create, update, or cancel an override	Bank Operations

Create Account Limit Override

Creates a single account limit override. The request body data.type must match the override kind you are creating.

Verb	`POST`
URL	`https://api.s.unit.sh/account-config-overrides`
Timeout (Seconds)	`5`

Attributes

Field	Type	Default	Description
idempotencyKey	string	(empty)	Required. See Idempotency.
expiredAt	RFC3339 date string	(empty)	Optional. Date only (e.g. `"2025-12-31"`). The override stops applying at 17:00 Eastern Time on this date.
dailyDebitLimit	integer	(empty)	`achLimitOverride` only. Optional. Daily ACH debit limit in cents. At least one limit field is required on create.
dailyCreditLimit	integer	(empty)	`achLimitOverride` and `bookTransferLimitOverride`. Optional. Daily credit limit in cents.
monthlyDebitLimit	integer	(empty)	`achLimitOverride` only. Optional. Monthly ACH debit limit in cents.
monthlyCreditLimit	integer	(empty)	`achLimitOverride` and `bookTransferLimitOverride`. Optional. Monthly credit limit in cents.
dailyLimit	integer	(empty)	`wireLimitOverride`, `checkDepositLimitOverride`, `checkPaymentLimitOverride`. Optional. Daily limit in cents. At least one of `dailyLimit` or `monthlyLimit` is required on create.
monthlyLimit	integer	(empty)	`wireLimitOverride`, `checkDepositLimitOverride`, `checkPaymentLimitOverride`. Optional. Monthly limit in cents.

Relationships

Name	Type	Description
account	JSON:API Relationship	The deposit account this override applies to.

Example Request (wire limit override):

curl -X POST 'https://api.s.unit.sh/account-config-overrides'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "wireLimitOverride",
    "attributes": {
      "dailyLimit": 5000000,
      "idempotencyKey": "wire-limit-override-2025-03-01"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10104"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data	Account limit override resource	The created override. `attributes.status` is `Active` or `Cancelled`.

Example response:
{
  "data": {
    "type": "wireLimitOverride",
    "id": "89302",
    "attributes": {
      "dailyLimit": 5000000,
      "monthlyLimit": 20000000,
      "status": "Active",
      "expiredAt": null
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10104"
        }
      }
    }
  }
}

Update Account Limit Override

Updates an existing override. Pass null for a limit attribute to clear it when the API allows. data.type must match the existing resource type.

Verb	`PATCH`
URL	`https://api.s.unit.sh/account-config-overrides/:overrideId`
Timeout (Seconds)	`5`

Attributes (by type)

Patchable fields mirror the create attributes for each data.type. For bookTransferLimitOverride, patch dailyCreditLimit and monthlyCreditLimit as needed. For all types, expiredAt may be set or cleared (null).

Example Request:

curl -X PATCH 'https://api.s.unit.sh/account-config-overrides/89302'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "wireLimitOverride",
    "attributes": {
      "dailyLimit": 6000000,
      "expiredAt": "2025-12-31"
    }
  }
}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Account limit override resource	The updated override.

Example response:
{
  "data": {
    "type": "wireLimitOverride",
    "id": "89302",
    "attributes": {
      "dailyLimit": 5000000,
      "monthlyLimit": 20000000,
      "status": "Active",
      "expiredAt": null
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10104"
        }
      }
    }
  }
}

Cancel Account Limit Override

Cancels an override. The override’s status becomes Cancelled; it no longer applies to the account and will not appear in the embedded override section on Get Limits.

Verb	`DELETE`
URL	`https://api.s.unit.sh/account-config-overrides/:overrideId`
Timeout (Seconds)	`5`

Example Request:

curl -X DELETE 'https://api.s.unit.sh/account-config-overrides/89302'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Account limit override resource	The cancelled override (`attributes.status` is `Cancelled`).

Example response:
{
  "data": {
    "type": "wireLimitOverride",
    "id": "89302",
    "attributes": {
      "dailyLimit": 5000000,
      "monthlyLimit": 20000000,
      "status": "Cancelled",
      "expiredAt": null
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10104"
        }
      }
    }
  }
}

Get Account Limit Override

Verb	`GET`
URL	`https://api.s.unit.sh/account-config-overrides/:overrideId`
Timeout (Seconds)	`5`

curl -X GET 'https://api.s.unit.sh/account-config-overrides/89302' \
-H "Authorization: Bearer ${TOKEN}"

Response

200 OK

Name	Type	Description
data	Account limit override resource	The requested override.

Example response:
{
  "data": {
    "type": "wireLimitOverride",
    "id": "89302",
    "attributes": {
      "dailyLimit": 5000000,
      "monthlyLimit": 20000000,
      "status": "Active",
      "expiredAt": null
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10104"
        }
      }
    }
  }
}

List Account Limit Overrides

Verb	`GET`
URL	`https://api.s.unit.sh/account-config-overrides`
Timeout (Seconds)	`5`

Query Parameters

Field	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources returned. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[accountId]	string	(empty)	Optional. Return overrides for the specified account id.
filter[status][]	string	(empty)	Optional. Filter by `Active` or `Cancelled`.

curl -X GET 'https://api.s.unit.sh/account-config-overrides?page[limit]=20&page[offset]=0&filter[accountId]=10104' \
-H "Authorization: Bearer ${TOKEN}"

Response

200 OK

Name	Type	Description
data	Array of account limit override resources	Matching overrides.
meta	JSON object	Pagination data when applicable.

Example response:
{
  "data": [
    {
      "type": "wireLimitOverride",
      "id": "89302",
      "attributes": {
        "dailyLimit": 5000000,
        "monthlyLimit": 20000000,
        "status": "Active",
        "expiredAt": null
      },
      "relationships": {
        "account": {
          "data": {
            "type": "account",
            "id": "10104"
          }
        }
      }
    },
    {
      "type": "achLimitOverride",
      "id": "89303",
      "attributes": {
        "dailyDebitLimit": 100000,
        "dailyCreditLimit": 100000,
        "monthlyDebitLimit": 500000,
        "monthlyCreditLimit": 500000,
        "status": "Cancelled",
        "expiredAt": "2025-06-01"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "account",
            "id": "10104"
          }
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "limit": 100,
      "offset": 0,
      "total": 2
    }
  }
}

Resource shapes are documented under Account limit overrides in the Resources reference.

Get Available Deposit Products

Verb	`GET`
URL	`https://api.s.unit.sh/accounts/:accountId/deposit-products`
Timeout (Seconds)	`5`

List of available deposit products compatible to the account.

curl -X GET 'https://api.s.unit.sh/accounts/10104/deposit-products' \
-H "Authorization: Bearer ${TOKEN}"

Example Response:
{
  "data": [
    {
      "type": "accountDepositProduct",
      "attributes": {
        "name": "checking"
      }
    },
    {
      "type": "accountDepositProduct",
      "attributes": {
        "name": "revenue_bank"
      }
    }
  ]
}

Get Account Balance History

List account end-of-day balances history (filtering and paging can be applied).

The account balance history can be used to provide the customer with an overview of their balance across account(s) over time in a visually engaging way, providing insights and creating custom product features around it.

Note

The typical cutoff time (end-of-day) is 7PM, but may vary between banks. The exact time and timezone are determined by the partner bank you work with.

Verb	`GET`
URL	`https://api.s.unit.sh/account-end-of-day`
Required Scope	`account-end-of-day`
Timeout (Seconds)	`5`

Query Parameters

Name	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 1000 resources.
page[offset]	integer	0	Optional. Number of resources to skip.
filter[accountId]	string	(empty)	Optional. Filters the results by the specified account id. At least one of `accountId` and `customerId` is required.
filter[customerId]	string	(empty)	Optional. Filters the results by the specified customer id. At least one of `accountId` and `customerId` is required.
filter[since]	ISO Local Date string	(empty)	Optional. Filters the account end-of-day balances on or after the specified date. e.g. `2021-06-01`
filter[until]	ISO Local Date string	(empty)	Optional. Filters the account end-of-day balances on or before the specified date. e.g. `2021-07-01`

curl -X GET 'https://api.s.unit.sh/account-end-of-day?page[limit]=10&page[offset]=0&filter[customerId]=10000&filter[accountId]=30317&filter[since]=2020-10-11&filter[until]=2021-10-13' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	Array of Account End-Of-Day	Array of account end-of-day resources.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (estimated total items).

Example Response:
{
  "data": [
    {
      "type": "accountEndOfDay",
      "id": "4925158",
      "attributes": {
        "date": "2021-07-10",
        "balance": 1000,
        "available": 500,
        "hold": 500
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "10000"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "30317"
          }
        }
      }
    },
    {
      "type": "accountEndOfDay",
      "id": "4925158",
      "attributes": {
        "date": "2021-07-11",
        "balance": 1000,
        "available": 500,
        "hold": 500
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "10000"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "30317"
          }
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "total": 12,
      "limit": 2,
      "offset": 0
    }
  }
}

Add Account Owners

Add owner or owners to an existing deposit account.

Verb	`POST`
URL	`https://api.s.unit.sh/accounts/:accountId/relationships/customers`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
data	Array	A list of individual customers to be added to the account.

Example Request:

curl -X POST 'https://api.s.unit.sh/accounts/10000/relationships/customers'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": [
    {
      "type": "customer",
      "id": "10001"
    },
    {
      "type": "customer",
      "id": "10002"
    }
  ]
}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	The requested resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "depositAccount",
    "id": "42",
    "attributes": {
      "name": "Peter Parker, April Oneil & Richard Hendricks",
      "createdAt": "2000-05-11T10:19:30.409Z",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "depositProduct": "checking",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "checking"
      },
      "currency": "USD",
      "status": "Open"
    },
    "relationships": {
      "customers": {
        "data": [
          {
            "type": "customer",
            "id": "10000"
          },
          {
            "type": "customer",
            "id": "10001"
          },
          {
            "type": "customer",
            "id": "10002"
          }
        ]
      }
    }
  }
}

Remove Account Owners

Remove owner or owners from an existing joint deposit account.

Note

At least one of the owners after deletion must be over 18 years old.

Note

All cards related to the removed owners will be closed.

Verb	`DELETE`
URL	`https://api.s.unit.sh/accounts/:accountId/relationships/customers`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
data	Array	A list of individual customers to be removed from the account.

Example Request:

curl -X DELETE 'https://api.s.unit.sh/accounts/10000/relationships/customers'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": [
    {
      "type": "customer",
      "id": "10001"
    }
  ]
}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data	DepositAccount	The requested resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "depositAccount",
    "id": "42",
    "attributes": {
      "name": "Peter Parker",
      "createdAt": "2000-05-11T10:19:30.409Z",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "depositProduct": "checking",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "checking"
      },
      "currency": "USD",
      "status": "Open"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Create Deposit Account​

Attributes​

Relationships​

Response​

201 Created​

Close Account​

Attributes​

Response​

200 OK​

Reopen Account​

Response​

200 OK​

Freeze Account​

Attributes​

Response​

200 OK​

Unfreeze Account​

Response​

200 OK​

Get by Id​

Query Parameters​

Response​

200 OK​

List​

Query Parameters​

Response​

200 OK​

Update​

Attributes​

Response​

200 OK​

Account Hold​

Create Account Hold​

Attributes​

Relationships​

Response​

201 Created​

Release Account Hold​

Full Release​

Partial Release​

Attributes​

Response​

200 Ok​

Get Account Hold by Id​

Response​

200 OK​

List Account Holds​

Query Parameters​

Response​

200 OK​

Limits​

Account limit overrides​

Create Account Limit Override​

Attributes​

Relationships​

Response​

201 Created​

Update Account Limit Override​

Attributes (by type)​

Response​

200 OK​

Cancel Account Limit Override​

Response​

200 OK​

Get Account Limit Override​

Response​

200 OK​

List Account Limit Overrides​

Query Parameters​

Response​

200 OK​

Get Available Deposit Products​

Get Account Balance History​

Query Parameters​

Response​

200 OK​

Add Account Owners​

Attributes​

Response​

200 OK​

Create Deposit Account

Attributes

Relationships

Response

201 Created

Close Account

Attributes

Response

200 OK

Reopen Account

Response

200 OK

Freeze Account

Attributes

Response

200 OK

Unfreeze Account

Response

200 OK

Get by Id

Query Parameters

Response

200 OK

List

Query Parameters

Response

200 OK

Update

Attributes

Response

200 OK

Account Hold

Create Account Hold

Attributes

Relationships

Response

201 Created

Release Account Hold

Full Release

Partial Release

Attributes

Response

200 Ok

Get Account Hold by Id

Response

200 OK

List Account Holds

Query Parameters

Response

200 OK

Limits

Account limit overrides

Create Account Limit Override

Attributes

Relationships

Response

201 Created

Update Account Limit Override

Attributes (by type)

Response

200 OK

Cancel Account Limit Override

Response

200 OK

Get Account Limit Override

Response

200 OK

List Account Limit Overrides

Query Parameters

Response

200 OK

Get Available Deposit Products

Get Account Balance History

Query Parameters

Response

200 OK

Add Account Owners

Attributes

Response

200 OK