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### Accept income payments.


A municipality manages 10 to 50 subsidiaries, using one U.S. Bank account with sub-ledger accounts for each subsidiary. Each month, income funds must be transferred to the corporate key account from the sub-ledger accounts. Using the Account Transfers API, the municipality can automate these income transfers to increase productivity, reduce risk and improve money management. 


 


### Disburse payments.


A property company supervises 100 rental locations with one corporate key account with U.S. Bank and multiple sub-ledger accounts for each of their properties. When rental properties need renovation or other operational expenses, funds from the corporate key account are transferred to the respective sub-ledger account. Using the Account Transfers API, the company automatically transfers the funds without employee intervention.

Example use cases

A transfer between DDA accounts initiated after midnight local time will show as pending but will process and post the next day after 6:00 a.m. local time. However, account balances are updated immediately.


Restrictions

Enable client and partner applications to initiate and retrieve details of domestic account transfers.

Account Transfers

The Account Transfers API allows you to easily move funds between domestic U.S. Bank demand-deposit accounts (DDA) and loan accounts. You can also track and manage account transfer details.








Overview

* Initiate an account transfer. 
* Retrieve a list of accounts.






























































































































* Retrieve the transaction details of a specific transfer. 






























































































































* Search for an account transfer and retrieve the history.
* Receive webhook notifications of the latest status on each transaction.






























































* Evaluate API features in a sandbox environment by adding it to a project.


 
































































































































Features

![Account Transfers - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/account-transfers/account-transfer-workflow.png)


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