Overview - Bank account verification

Introduction

Signzy's Bank Account Verification service offers extensive coverage, enabling the verification of bank accounts in over 195 countries worldwide. For the US market, we have integrated with Finicity & Flinks, our trusted partners, to provide comprehensive verification capabilities. For the Canada market, we have integrated with Flinks. Also we are collaborating with other partners around the world to ensure global coverage for for bank account verification beyond the United States.

Our Bank Account Verification solution is highly customizable to cater to the specific requirements of our clients. This means that we can implement country-specific workflows tailored to the needs of our clients. For instance, if you prefer to verify the bank accounts of your US customers using Finicity while using another solution for customers from other countries, our system seamlessly supports such configurations through a single endpoint.

Please contact your sales SPOC to configure the account.

Supported Countries :-

US - Finicity & Flinks are the open banking providers

Canada - Flinks is the open banking provider

Sample flow :-

API Details

Our Bank Account Verification service offers a seamless experience by providing a single endpoint for customization based on country-specific requirements. Regardless of the chosen flow, our solution ensures efficient verification of global bank accounts.

For US bank account verification, we leverage our trusted partners, Finicity or Flinks, renowned for its real-time capabilities. By utilizing the relevant APIs in the background, we gather the necessary data points required by our clients. The system then generates a JSON response, providing the client with the verified information.

Irrespective of the chosen solution, clients receive a standard response from Signzy, streamlining the integration and ensuring a consistent experience across different verification methods.

Flow of APIs

Please note that we have mentioned the flow below to give you idea on how it works at the backend. Signzy will provide you single endpoint for all your bank account verification needs.

US (Finicity- Flow)

Please find the below flow of Finicity APIs to get the desired output. Please note that Signzy will run these APIs in the backend according to the requirements of the client. Signzy will not give different endpoints to their client. Client will be able to use a single endpoint for all their needs. We have illustrated the below flow in order to give you an idea about Signzy's process.

Calling Create bank connect journey link API for the user to start the journey and authorize Finicity for account access.

Signzy gives a unique Tracking ID to the client for user mapping. (Please read more about Tracking ID below.)

Once the authorization and bank connection are successfully established, Signzy triggers Finicity APIs in the backend.

The responses from the all backend APIs of Finicity will be combined, and the desired parameters will be extracted. These parameters will then be formatted into a JSON file and shared with the client. The JSON file will also contain the Tracking ID for the mapping with correct user.

Clients do not need to call any Finicity API directly - all Finicity integrations are managed internally by Signzy, and clients continue to use a single unified Signzy endpoint for their operations.

US & Canada - (Flinks– Flow)

Please find the below flow of Flinks APIs to get the desired output. Please note that Signzy will run these APIs in the backend according to the requirements of the client. Signzy will not give different endpoints to their client. Client will be able to use a single endpoint for all their needs. We have illustrated the below flow in order to give you an idea about Signzy's process.

Calling Create bank connect journey link API for the user to start the journey and authorize Flinks for account access.

Signzy gives a unique Tracking ID to the client for user mapping. (Please read more about Tracking ID below.)

Once the authorization and bank connection are successfully established, Signzy triggers Flinks APIs in the backend. We also gather transaction categories which is an added feature in Flinks.

This API automatically classifies transactions into meaningful types and subtypes such as:

Food → Groceries

Travel → Flights

Income → Salary

Utilities → Electricity / Water / Internet

Entertainment → Movies / Subscriptions

The categorization helps in understanding user spending behavior and enhances reporting and analytics for clients. Please get more information below on supported categories.

The responses from the above APIs will be combined, and the desired parameters will be extracted. These parameters will then be formatted into a JSON file and shared with the client. The JSON file will also contain the Tracking ID for the mapping with correct user.

Clients do not need to call any Flinks API directly - all Flinks integrations are managed internally by Signzy, and clients continue to use a single unified Signzy endpoint for their operations.

Sample cURL (Single Endpoint for Signzy's client)

Production

Pre-production

curl --location 'https://api.signzy.us/api/v3/global-bank-verification/generate-link' \
--header 'Authorization: ' \
--header 'Content-Type: application/json' \
--data '{
    "customerId": "6524e64350d7ee6ceb4ed667",
    "country": "CA",
    "flowId": "2",
    "redirectUrl": "www.signzy.com",
    "getTransactions": true,
    "transactionsPeriod": "12",
    "getBankBalance": false,
    "requestId":"dc5de635-dbe6-4a5d-823f-e6a54baa1433"
}'

curl --location 'https://api-preproduction.signzy.us/api/v3/global-bank-verification/generate-link' \
--header 'Content-Type: application/json' \
--header 'Authorization: <Auth Token>' \
--data '{
    "customerId": "6524e64350d7ee6ceb4ed667",
    "country": "CA",
    "flowId": "2",
    "redirectUrl": "www.signzy.com",
    "getTransactions": true,
    "transactionsPeriod": "12",
    "getBankBalance": false,
    "requestId":"dc5de635-dbe6-4a5d-823f-e6a54baa1433"
}'

Request Body Parameters

Paramater Name	Data Type	Required	Description
customerId	string	Yes	A unique 24 digit clientid assigned to Signzy's customer. Client has to send the same id each request for tracking at Signzy's end.
country	string	Yes	Country of bank account for which verification is being done. e.g. "US", "CA"
flowId	string	Optional	A flowId is an exclusive identification number that is allocated to each customization within a journey, such as a brand logo or brand color. Multiple distinct customizations can be established, and each one is represented by a unique flowId. This is optional as you can have only single default flowid as well. Please contact your Sales administrator to setup customizations. e.g. "1", "2"
redirectUrl	string	Optional	redirectUrl is a Url on which end user will be redirected after completing the journey. You can pass the redirectUrl every time in request body or you can contact us to setup your default redirect url. This is optional as you can have only single default redirectUrl as well. e.g. "www.signzy.com"
getTransactions	boolean	optional	Transactions will be fetched when this value will be set to true.
transactionsPeriod	string	required when getTransactions is true	transactionPeriod is the number of months for which transactions need. "3" :- 3 months transactions will be fetched, "12" :- 12 months transactions will be fetched "36" :- 36 months transactions will be fetched CA and US-Flinks is not supported for 36 months. Flinks only support 3 or 12 months.
getBankBalance	string	optional by default "true"	Balance will not be fetched when this value will false
requestId	string	optional only applicable for flinks	The requestId returned by the US Flinks Refresh API It is used to continue and complete the MFA journey in case error encountered during refresh API.

Sample API Success Response

{
    "result": {
        "link": "https://connect2.finicity.com?customerId=7015178151&experience=default&origin=url&partnerId=2445584066256&redirectUri=https%3A%2F%2Fwww.google.com&signature=06e34afd2c4fb44b86c21afe25587c73298c6759b01bc53e8fa36e26a911c7f6&timestamp=1705671353707&ttl=1705678553707&webhook=https%3A%2F%2Fapi.signzy.us%2Fapi%2Fv3%2Fglobal-bank-verification%2Ffinicity-callback",
        "traceId": "7015178151"
    }
}

Response Body Parameters

Paramater Name	Data Type	Description
link	string	Journey link on which you will direct your end user to complete the consent based bank account verification journey.
traceId	string	traceId is a unique id for this customer which you need to store at your end. In the bank account verification response which will be received in callback, you will also get this trackingId so that you can map the details to correct user.

Tracking ID/ Trace ID Details

TrackingId is necessary to do the correct response mapping after sucessful completion of bank account verification. You will get link and a unique trackingId as the API response. The same trackingId will come in the JSON after succesful completion of bank account verification at your callback.

Please store this trackingId so that you can map the JSON response (received in callback) with the correct user.

Multiple/Single Accounts Support

Flexibility is key when it comes to catering to the diverse needs of our end users. Our system is designed to accommodate both scenarios, allowing end users to choose between managing multiple bank accounts or opting for a single bank account.

As part of our response mechanism, we can furnish information on either multiple accounts or a singular account, depending on the user's preference. To tailor this functionality to your specific requirements, we recommend collaborating with your dedicated account manager.

Your account manager will guide you through the configuration process, ensuring that the system is optimized to meet your business goals and provide an optimal experience for your end users.

Sample Response - Callback (with balance & transactions)

{
  "trackingId": "7015178151",
  "status": "SUCCESSFULL",
  "loginId": "4e0c9d40-10c6-4443-ce1e-08de3cc95e03",
  "message": "The user has completed the journey.",
  "account1": {
    "account": {
      "currency": "USD",
      "accountType": "Checking",
      "accountNumber": "1111001",
      "accountId": "85a6676d-2788-4452-b251-c18a0418cc2a",
      "balance": 25014.43
    },
    "accountHolder": {
      "name": "John DOE",
      "address": " NICOLE CIR AURORA IL 605023702",
      "splitAddress": {
        "street": "NICOLE CIR",
        "poBox": "",
        "city": "AURORA",
        "state": "IL",
        "zipcode": "605023702",
        "country": "US"
      },
      "emails": [
        "[email protected]"
      ],
      "phoneNumbers": [
        "2945074373"
      ]
    },
    "bank": {
      "routingNumberOrKey": "77777",
      "iban": "",
      "swiftCode": "",
      "name": "DCCapital",
      "address": "",
      "splitAddress": {
        "street": "",
        "poBox": "",
        "city": "",
        "state": "",
        "zipcode": "",
        "country": ""
      },
      "emails": [],
      "phoneNumbers": []
    },
    "transactions": [
      {
        "date": "2025-10-05",
        "amount": -14,
        "description": "Il Tollway-autorepleni 800-824-7277 Il",
        "balance": 14,
        "type": "Travel and Transportation",
        "subType": "Parking and Tolls",
        "transactionId": "35f148c0-29bd-42f2-9e8a-da5262a3559d"
      },
      {
        "date": "2025-10-01",
        "amount": 317,
        "description": "Mobile Payment Thank You",
        "balance": 0,
        "type": "Income",
        "subType": "Other",
        "transactionId": "337e1c5f-2742-4975-b054-a71009c51d64"
      },
      {
        "date": "2025-09-27",
        "amount": -76,
        "description": "Nicor Gas Bill 866-383-1846 Ga",
        "balance": 317,
        "type": "Utilities",
        "subType": "Water / Gas / Electricity / Sewage",
        "transactionId": "337e1c5f-2742-4975-b054-a71009c51d65"
      },
      {
        "date": "2025-09-26",
        "amount": -120,
        "description": "Abc*anytime Pt 804-2129131 Il",
        "balance": 120,
        "type": "Healthandlifestyle",
        "subType": "Hlfitness",
        "transactionId": "337e1c5f-2742-4975-b054-a71009c51d10"
      },
      {
        "date": "2025-09-25",
        "amount": -257.57,
        "description": "Tmobile*postpaid Pda 800-937-8997 Wa",
        "balance": 205.2,
        "type": "Utilities",
        "subType": "TV / Internet / Phone",
        "transactionId": "337e1c5f-2742-4975-b054-a71009c51d22"
      },
      {
        "date": "2025-09-13",
        "amount": -131.53,
        "description": "Primark Chicago State Chicago Il",
        "balance": 351.52,
        "type": "Education",
        "subType": "Other Education",
        "transactionId": "337e1c5f-2742-4975-b054-a71009c51d11"
      }
    ],
    "balance": {
      "available": 1000,
      "current": 350,
      "limit": 250
    }
  },
  "account2": {
    "account": {
      "currency": "USD",
      "accountType": "cd",
      "accountnumber": "",
      "accountId": "d03efa55-910f-4b60-9c69-96b8bac92f94",
      "balance": 1000
    },
    "accountHolder": {
      "name": "JOHN DOE",
      "address": " NICOLE CIR AURORA IL 605023702",
      "splitAddress": {
        "street": " NICOLE CIR",
        "poBox": "",
        "city": "AURORA",
        "state": "IL",
        "zipcode": "605023702",
        "country": "US"
      },
      "emails": [
        "[email protected]"
      ],
      "phoneNumbers": [
        "2945074373"
      ]
    },
    "bank": {
      "routingNumberOrKey": "",
      "iban": "",
      "swiftcode": "",
      "name": "Chase",
      "address": "",
      "splitAddress": {
        "street": "270 Park Avenue 270 Park Avenue, New York",
        "poBox": "",
        "city": "New York",
        "state": "NY",
        "zipcode": "10017",
        "country": "USA"
      },
      "emails": [],
      "phoneNumbers": []
    },
    "transactions": [],
    "balance": {
      "available": 1000,
      "current": 350,
      "limit": 250
    }
  },
  "account3": {
    "account": {
      "currency": "USD",
      "accountType": "savings",
      "accountnumber": "00100000120479459",
       "accountId": "9d029059-b380-41c2-ae99-d4eb868a48a6",
      "balance": 6022.34
    },
    "accountHolder": {
      "name": "John DOE",
      "address": " NICOLE CIR AURORA IL 605023702",
      "splitAddress": {
        "street": "NICOLE CIR",
        "poBox": "",
        "city": "AURORA",
        "state": "IL",
        "zipcode": "605023702",
        "country": "US"
      },
      "emails": [
        "[email protected]"
      ],
      "phoneNumbers": [
        "2945074373"
      ]
    },
    "bank": {
      "routingNumberOrKey": "028000121",
      "iban": "",
      "swiftcode": "",
      "name": "Chase",
      "address": "",
      "splitAddress": {
        "street": "270 Park Avenue 270 Park Avenue, New York",
        "poBox": "",
        "city": "New York",
        "state": "NY",
        "zipcode": "10017",
        "country": "USA"
      },
      "emails": [],
      "phoneNumbers": []
    },
    "transactions": [
      {
        "date": "2025-10-01",
        "amount": 317,
        "description": "Mobile Payment Thank You",
        "balance": 0,
        "type": "Income",
        "subType": "Other",
        "transactionId": "4c77644c-2ce0-47eb-af64-947be22cafd2"
      },
      {
        "date": "2025-09-27",
        "amount": -76,
        "description": "Nicor Gas Bill 866-383-1846 Ga",
        "balance": 317,
        "type": "Utilities",
        "subType": "Water / Gas / Electricity / Sewage",
        "transactionId": "4c77644c-2ce0-47eb-af64-947be22cafd3"
      },
      {
        "date": "2025-09-26",
        "amount": -120,
        "description": "Abc*anytime Pt 804-2129131 Il",
        "balance": 120,
        "type": "Healthandlifestyle",
        "subType": "Hlfitness",
        "transactionId": "4c77644c-2ce0-47eb-af64-947be22cafd4"
      }
    ],
    "balance": {
      "available": 1000,
      "current": 350,
      "limit": 250
    }
  }
}

Sample Response - Callback (without balance & transactions)

{
    "trackingId": "7015178151",
    "status": "SUCCESSFULL",
    "loginId":"4e0c9d40-10c6-4443-ce1e-08de3cc95e03",
    "message": "The user has completed the journey.",
    "account1": {
        "account": {
            "currency": "USD",
            "accountType": "Checking",
            "accountNumber": "1111001",
            "accountId": "9d029059-b380-41c2-ae99-d4eb868a48a6",
        },
        "accountHolder": {
            "name": "John DOE",
            "address": " NICOLE CIR AURORA IL 605023702",
            "splitAddress": {
                "street": "NICOLE CIR",
                "poBox": "",
                "city": "AURORA",
                "state": "IL",
                "zipcode": "605023702",
                "country": "US"
            },
            "emails": [
                "[email protected]"
            ],
            "phoneNumbers": [
                "2945074373"
            ]
        },
        "bank": {
            "routingNumberOrKey": "77777",
            "iban": "",
            "swiftCode": "",
            "name": "DCCapital",
            "address": "",
            "splitAddress": {
                "street": "",
                "poBox": "",
                "city": "",
                "state": "",
                "zipcode": "",
                "country": ""
            },
            "emails": [],
            "phoneNumbers": []
        }
    },
    "account2": {
        "account": {
            "currency": "USD",
            "accountType": "cd",
            "accountnumber": "",
            "accountId": "9d029059-b380-41c2-ae99-d4eb868a48a8",
        },
        "accountHolder": {
            "name": "JOHN DOE",
            "address": " NICOLE CIR AURORA IL 605023702",
            "splitAddress": {
                "street": " NICOLE CIR",
                "poBox": "",
                "city": "AURORA",
                "state": "IL",
                "zipcode": "605023702",
                "country": "US"
            },
            "emails": [
                "[email protected]"
            ],
            "phoneNumbers": [
                "2945074373"
            ]
        },
        "bank": {
            "routingNumberOrKey": "",
            "iban": "",
            "swiftcode": "",
            "name": "Chase",
            "address": "",
            "splitAddress": {
                "street": "270 Park Avenue 270 Park Avenue, New York",
                "poBox": "",
                "city": "New York",
                "state": "NY",
                "zipcode": "10017",
                "country": "USA"
            },
            "emails": [],
            "phoneNumbers": []
        }
    },
    "account3": {
        "account": {
            "currency": "USD",
            "accountType": "savings",
            "accountnumber": "00100000120479459",
            "accountId": "9d029059-b380-41c2-ae99-d4eb268a48a1",
        },
        "accountHolder": {
            "name": "John DOE",
            "address": " NICOLE CIR AURORA IL 605023702",
            "splitAddress": {
                "street": "NICOLE CIR",
                "poBox": "",
                "city": "AURORA",
                "state": "IL",
                "zipcode": "605023702",
                "country": "US"
            },
            "emails": [
                "[email protected]"
            ],
            "phoneNumbers": [
                "2945074373"
            ]
        },
        "bank": {
            "routingNumberOrKey": "028000121",
            "iban": "",
            "swiftcode": "",
            "name": "Chase",
            "address": "",
            "splitAddress": {
                "street": "270 Park Avenue 270 Park Avenue, New York",
                "poBox": "",
                "city": "New York",
                "state": "NY",
                "zipcode": "10017",
                "country": "USA"
            },
            "emails": [],
            "phoneNumbers": []
        }
    }
}

Note :-

The data in above fields is subject to availability in the source.

Response Parameters

Response Paramater by Signzy	Data Type	Description	Available in US-Finicity response	Available in US-Flinks response	Available in CA-Flinks response
trackingId	integer	Unique Tracking Id to map the response with correct user. This is unique per request.	yes	yes	yes
status	string	Status of bank account verification. Value can be either "SUCCESSFULL" or "INDETERMINATE"	yes	yes	yes
loginId	string	loginId associated with the user account. This is unique per connected account as long as these parameters remain same :- Username, Language, Bank	no	yes	yes
message	string	Message on whether the user has completed the journey. e.g. "The user has completed the journey."	yes	yes	yes
account1	object	Object containing account1 details. Similarly, there will be account2, account3, account4 etc.	yes	yes	yes
account.currency	string	Currency of the account	yes	yes	yes
account.accountType	string	Type of account	yes	yes	yes
account.accountNumber	string	Bank account number	yes	yes	yes
account.accountId	string	Unique account ID with the account. (This is not bank account number)	no	yes	yes
account.balance	float	Account balance	yes	yes	yes
accountHolder.name	string	Account holder's name	yes	yes	yes
accountHolder.address	string	Full address of the account holder	yes	yes	yes
accountHolder.splitAddress	object	Represents the split address object comprising street, city, state, ZIP code, and country details of the account holder's address	yes	yes	yes
accountHolder.emails	array	Account holder's emails (Array of strings)	yes	yes	yes
accountHolder.phoneNumbers	array	Account holder's phone numbers (Array of strings)	yes	yes	yes
bank.routingNumberOrKey	string	Bank routing number or key	yes	yes	yes
bank.name	string	Bank name	yes	yes	yes
bank.iban	string	International Bank Account Number (IBAN)	no	no	no
bank.swiftCode	string	Society for Worldwide Interbank Financial Telecommunication (SWIFT) code	no	no	no
bank.name	string	Bank name	yes	yes	yes
bank.address	string	Bank address	yes	no	no
bank.splitAddress	Object	Represents the split address object comprising street, city, state, ZIP code, and country details of the bank's address	yes	no	no
bank.emails	array	Bank's emails (Array of strings)	no	no	no
bank.phoneNumbers	array	Bank's phone numbers (Array of strings)	no	no	no
transactions.date	string	Date of the transaction	yes	yes	yes
transactions.amount	float	Amount of the transaction	yes	yes	yes
transactions.description	string	Description of the transaction	yes	yes	yes
transactions.balance	float	Balance after the transaction	no	yes	yes
transactions.type	string	Type of transaction (if available)	yes	yes	yes
transactions.subType	string	Subtype of transaction (if available)	no	yes	yes
transactions.transactionId	string	Unique transaction Id of each transaction	no	yes	yes
balance.available	float	Available balance after considering pending transactions	no	yes	yes
balance.current	float	Current balance of the account	no	yes	yes
balance.limit	float	Limit associated with the account	no	yes	yes

Note for US-Finicity :-

Specifically, the CD account (Certificate of Deposit) , and ACH transactions are not supported for CD account types. The ACH service currently supports account types such as "checking," "savings," "moneyMarket," and "loan."

This means for CD accounts, we will not have account number and routing number

Type & Sub-Type (US-Flinks & Canada -Flinks)

Type	Sub-Type
Contributions
	Other Charitable Contributions
	Charities
	Religious Organizations
	Political & Civic Organizations
Earned Income
	Interest
	Dividend
	Wages & Salary
	Bonus
	Business Income
Education
	Student Loans
	Other Education
	Tuition & School Fees
Entertainment
	Activities
	Amusements & Attractions
	Events
	Other Entertainment
Fees & Charges
	Other Fees & Charges
	ATM Fees
	Service Fees
	Finance Charges
Food & Dining
	Coffee Shops
	Groceries
	Restaurants
	Fast Food
	Other Food & Dining
	Alcohol & Bars
Goods & Merchandise
	Internet Purchases
	Children & Toys
	General Merchandise
	Books & Other Media
	Electronics & Computers
	Health & Beauty
	Home Garden & Tools
	Specialty Stores
	Clothing & Accessories
	Mail & Phone Order Purchases
	Sporting Goods
	Office Supplies
	Furnishings & Appliances
	Miscellaneous Equipment Materials & Supplies
Health & Lifestyle
	Life Insurance
	Health Insurance
	Child Support
	Personal Care
	Medical Care
	Pet Care
	Clubs Gyms Fitness
	Veterinary Care
	Dental Care
	Vision Care
	Other Health & Lifestyle
	Child Care
Home Expenses
	Mortgage
	Home Insurance
	Rent
	HOA Fees
	Home Improvement Repair & Maintenance
Miscellaneous Expenses
	Check
	Cash Withdrawal
	Awards & Rebate Credits
	Cash Advance
	Deposit
Services
	Other Services
	Accounting & Financial Services
	Advertising Services
	Government Services
	Printing & Shipping
	Professional Dues & Subscriptions
	Legal Services
Transfers & Adjustments
	Credit Card Payment
	Balance Adjustment
	Other Transfers & Adjustments
Travel & Transportation
	Auto/Vehicle Loan
	Auto/Vehicle Insurance
	Gas & Fuel
	Ground Transportation
	Auto/Vehicle Repair & Maintenance
	Auto/Vehicle Leasing & Purchase
	Parking & Tolls
	Other Travel & Transportation
	Air Travel
	Hotel & Lodging
	Auto/Vehicle Rental
	Travel Agencies
	Public Transit
	Sea Travel
Utilities
	Wireless/Cellular
	Other Utilities
	TV Internet Phone
	Water Gas Electricity Sewage

Type (US-Finicity)

If provided by the institution, the following values may be returned in the field of a record for US-Finicity:

"atm"

"cash"

"check"

"credit"

"debit"

"deposit"

"directDebit"

"directDeposit"

"dividend"

"fee"

"interest"

"other"

"payment"

"pointOfSale"

"repeatPayment"

"serviceCharge"

"transfer"

Sample Error

{
    "error": {
        "name": "error",
        "message": "..message..",
        "status": 400,
        "reason": "VALIDATION_REQUEST",
        "type": "Bad Request",
        "statusCode": 400
    }
}

Error Response Parameters

Parameter	Description
error	This parameter contains the error.
error.name	the name of the error
error.message	the error message
error.status	status of the api
error.reason	Reason for error
error.type	Type of the error
error.statusCode	Request Status code from Signzy

Getting help

Please feel free to contact us if you have any questions, require clarification, or have ideas for how to make the documents or any of our services better.

You can reach out to us at [email protected]. We strive to provide prompt and reliable assistance, ensuring your queries are addressed effectively.

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