The bank account object

Bank account objects must be linked with an employee, contractor, or company.

A company must have a linked bank account in order for Check to automatically withdraw funds to fund payrolls. A company can have multiple linked bank accounts that can be used to fund payrolls. However, only the default_bank_account of the company will be used for non-payroll tax collections and refunds (e.g., historical liability debits and quarter-end variance collections and refunds).

An employee or contractor must have a linked bank account in order for Check to pay them using direct deposit. Any employee or contractor can have multiple linked bank accounts, which you can direct funds to using Net Pay Splits.

Check will validate that either a raw_bank_account object or a plaid_bank_account object is included when creating a bank account. You can read more about our bank account verification process here.

{
  "id": "bnk_k2KX3XVt4B6JpNXmF3vf",
  "employee": "emp_hkyDTyLEziNfU8jixzPM",
  "status": "validation_pending",
  "last_noc_correction_at": null,
  "account_number_type": "raw",
  "raw_bank_account": {
    "institution_name": null,
    "account_number_last_four": "3890",
    "routing_number": "026009593",
    "type": "depository",
    "subtype": "checking"
  }
}

{
  "id": "bnk_HysE2hvUbu3APQ7cjswJ",
  "employee": "emp_x38JYoUXRaMdifvzBUY6",
  "status": "ownership_verified",
  "account_number_type": "tokenized",
  "plaid_bank_account": {
    "name": "Business Checking",
    "plaid_public_token": "public-production-C8rZVjaA-gh2N-xuDw-2CHL-6fzNcs4ZEKZd",
    "institution_name": "Bank of America",
    "mask": "3890",
    "type": "depository",
    "subtype": "checking",
    "verified": true,
    "routing_number": "026009593",
    "microdeposit_verification_status": null
  }
}

Attribute	Description
`id` string	Unique identifier for the bank account.
`employee` string	ID of the employee on the account.
`company` string	ID of the company on the account.
`contractor` string	ID of the contractor on the account.
`status` string	Validation and verification status of the account. Values may be `validation_pending`, `validated`, `ownership_verified`, `disabled_recoverable`, `disabled_irrecoverable`. A bank account can be used for payroll if its status is not `disabled_recoverable` or `disabled_irrecoverable`.
`disabled_reason` string	Reason for status being `disabled_recoverable` or `disabled_irrecoverable`. Values may be `validation_failed`, `failed_payment`, `verification_pending`, `verification_failed`, `consumer_account`, `noc_received`. `null` if status is not `disabled_recoverable` or `disabled_irrecoverable`.
`last_noc_correction_at` datetime	The time when Check last updated this bank account due to receipt of a Notification of Change (NOC). If this field is `null`, then Check has never updated this bank account due to receipt of a NOC. Please see Notifications of Change (NOCs) for more information.
`raw_bank_account` object	Structured information about the bank account.
`institution_name` string	The name of the bank holding the account.
`account_number_last_four` string	The last four digits of the account’s account number.
`account_number_type` string	Indicates whether the account number is a raw account number or a tokenized account number from Plaid. Values may be `raw` or `tokenized`.
`routing_number` string	The account’s routing number.
`type` string	The account's type. Value is `depository`.
`subtype` string	The account’s subtype. Values may be `checking` or `savings`.
`plaid_bank_account` object	Structured information about the Plaid account.
`plaid_processor_token` string	A Check processor token retrieved from the Plaid API. Will be `null` when getting a list of bank accounts to avoid rate limiting.
`metadata` object	Additional loosely structured information to associate with this bank account.
`source` string	The integration partner that created and manages this bank account. When present, this indicates the bank account is owned by an ecosystem partner (e.g., an earned wage access provider) and should not be edited or deleted by your platform. `null` if the bank account was created by the partner or employee directly.