Data Toolbox - Accounts
Using the Accounts API gives financial technology companies and data intermediaries authorized access to U.S. Bank customer account details.
View account details for multiple account types when you use our Accounts API:
- Credit card
- Line of credit
Details include items such as:
- Account type
- Account description
- Interest rate
- Loan details
Example use cases
Interact with authorized consumer data through our Accounts API to provide value-added services and products to enrich financial services experiences.
Account access verification
Account ownership and verification is critical for data intermediaries and financial technology companies that wish to use authorized consumer data. Verification means financial aggregators have access to accounts. It does not verify the identity of the consumer. See the Data Toolbox API for additional account and identity services.
- Get a list of authorized consumer accounts.
- Obtain the account identifier for each.
- Retrieve individual account details like the current balance and when the account was opened.
Payment risk modeling
Help businesses define a consumer risk score to reduce fees, prevent fraud and improve customer experience.
- Get a list of authorized consumer accounts and obtain the account identifier for each one.
- Access the current account balance and determine the likelihood of whether a payment will clear successfully.
Financial health indicators
See a 360-degree snapshot of authorized consumer accounts and financial health indicators. Our Accounts API gives authorized access to consumer accounts including checking, savings and credit lines. You can also help consumers maximize their accounts with personalized advice and suggestions.
How to use the Accounts API with a consumer savings account
- Determine if a savings account is present.
- Get the current balance of the savings account.
- Compare the savings balance against consumer income to see if it meets the average three-month benchmark for healthy liquid assets.
- Make a recommendation to increase the balance if the consumer has less than three months of income in their savings account.
The developer will not sell, exploit, commercialize, or otherwise reveal, account information (or its derivatives) except as explicitly authorized by the customer.