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. An employee or contractor must have a linked bank account in order for Check to pay them using direct deposit.

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

{
  "id": "bnk_k2KX3XVt4B6JpNXmF3vf",
  "employee": "emp_hkyDTyLEziNfU8jixzPM",
  "status": "validation_pending",
  "raw_bank_account": {
    "institution_name": null,
    "account_number": "4239523890",
    "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,
    "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`. `null` if status is not `disabled_recoverable` or `disabled_irrecoverable`.
raw_bank_account object	Structured information about the bank account.
institution_name string	The name of the bank holding the account.
account_number string	The account’s account number.
routing_number string	The account’s routing number.
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.