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,
  "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",
  "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.
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.