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Interact with authorized consumer data through our Transactions API to provide value-added services and products to enrich financial services experiences.
### Get a list of authorized accounts
Retrieve a list of authorized consumer accounts, including checking, savings and IRA.
- Use our Accounts API to get a list of authorized consumer account information and to obtain the account identifier for each one.
- Use our Accounts API to get the current account balance and determine the likelihood of whether a payment will clear successfully.
### Payment risk modeling
Help businesses understand and define a consumer risk score using consumer-authorized payment-level data. Use the score to reduce fees, prevent fraud and improve customer experience.
- Get a list of authorized consumer accounts with the Accounts product, obtaining the account identifier for each one.
- Get time-boxed transactions to calculate an average balance for the account over a certain period with the Transactions API.
- Use the Accounts API to get the current account balance and assess the likelihood of whether a payment will clear successfully.
- Analyze historical deposit account transactions for non-sufficient funds items using the Transactions API.
### Financial health indicators
See a 360-degree snapshot of authorized consumer account information and offer certain financial health indicators.
***How to obtain account and statement-level detail***
- Use the Accounts API to get authorized access to consumer account information including checking, savings and credit lines.
- Call the Accounts and Statements APIs using `{accountId}` to obtain details on spending habits.

***How to make a recommendation on savings account balance***
- Use the Accounts API to 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.
### Account aggregation
Use our Transactions API as part of your aggregation strategy or get access to authorized consumer transactions data to populate personal financial management tools in financial technology applications.
- First, go to our Accounts API to get a list of authorized consumer accounts, obtaining the account identifier for each one.
- Then use the Accounts API to get the current account balance.
- Finally, combine the Transactions API with the Accounts API to get a time-boxed list of transactions for a given account.


Example use cases

The Transactions API has no restrictions.


Restrictions

Explore Data Toolbox – Transactions API

Access U.S. Bank retail banking customer-authorized transaction details.

Data Toolbox - Transactions

Get authorized access to consumer transaction details and create offerings to improve the financial services experience.


Overview

View transaction history and details for various account types when you use our Transactions API.
- Savings
- Line of credit
- Loans
- Investments

For checking and savings accounts, transaction details include:
- Amount
- Type
- Time stamp
- Category
- Check number
- Description
- Payee

For brokerage and investment accounts, transaction details include:
- Type
- Shares
- Price
- Face value
- Symbol
- Markup
- Commission
- Taxes

Features

![Transactions - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/data-toolbox-transactions/data-toolbox-transactions-workflow.png)

Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Avvance Connect

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Instant payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Getting started

Security guide

API reference

Release notes

Overview

Features

Workflow

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PRODUCT DOCUMENTS

Example use cases

Restrictions