--- updatedAt: 2026-06-18T18:55:55.000Z agentTools: projectIndex: https://docs.checkhq.com/llms.txt --- # The bank account object Represents a checking or savings account at a U.S. bank. 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](https://docs.checkhq.com/docs/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](/docs/bank-account-verification). ```json Sample raw bank account { "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" } } ``` ```json Sample plaid bank account { "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)](https://docs.checkhq.com/docs/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.