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Authenticate consumers with our Data Toolbox API. View current account balances and a list of transaction history for those consumers who have authorized third-party access to their account information. Plus, using our OAuth tokens mean never storing consumer login credentials.

### Account identity verification.

Confirm account identity when accounts are opened so you can rest assured that it's resolved from the start. When consumers authorize access to their account information, our APIs can provide a valuable asset in your security practices.

* Use the Accounts API to get access to the account identifier, then use the account identifier with the Customer API to see consumer profile data.

* Create out-of-wallet security questions for consumers with the Tax API, like “In which month and year did you get your last mortgage?”

* Make and use an account identity verification score to approve or deny services like account creation or step-up credit risk.

- Store customer-owned accounts with the `{customerId}` and `{accountId}`

### 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 statements and calculate an average balance for the account over a historical period using the Statements API.

* Use the Accounts API to get the current account balance and determine 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 a consumer’s authorized accounts and offer certain financial health indicators.

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, `{accountId}` to obtain details on spending habits. 

Recommend a 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.

### Reduce loan processing time.

Verifying loan documentation is time-consuming and our APIs make it faster.  

Once you have access to the Tax API, you can:

* View historical tax information.

* Get loan origination date or mortgage loan details from 1098 forms.

* Confirm and pre-fill customer address information.

### Calculate loan payoffs and notify payment activity.

Enrich the customer experience with suggestions and alerts to help them make financial decisions. A calculator tool can provide loan details to help customers stay on top of payments.

* Provide alerts for the next payment amount and due date.

* Calculate payment frequency, interest rate and terms.

* Calculate an early payoff and show consumers their interest savings.

* Send email or SMS-based alerts to introduce new loan opportunities like refinancing a mortgage or getting a new car loan.

Example use cases

The Data Toolbox API has no restrictions.


Restrictions

<p>Get authorized access to consumer banking account, transaction and tax data.</p>


Data Toolbox

Get reliable and secure access to consumer financial data with our Data Toolbox API. Based on the Financial Data Exchange 3.0 Specification—the industry standard for exchanging consumer financial data—this product is implemented in conjunction with the U.S. Bank online banking website, where our customers are empowered to control and give consent to which third parties will receive access to their data.

Overview

Create powerful applications or use individual tools to support unique requirements through our Data Toolbox.

### Account insights
Provide a wide array of insights for multiple account types that include checking, savings, credit card, mortgage, and brokerage.
### Transactions
View history from customer accounts with details like transaction amounts and dates, as well as who customers interact with.
### Account statements
Retrieve statements as an individual PDF or as a list of statements from a set time frame.
### Tax documents
See historical tax forms as PDFs, including 1098, 1099Int, 1099Div, and others as either a single document or a list of documents.
### Customer profile
View basic customer profile information, including name, date of birth, address, and phone number.

Features

![Data Toolbox - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/data-toolbox/data-toolbox-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

Incoming Webhooks

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 - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

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

Organization Management v1

Overview

Features

Workflow

PREVIOUS VERSIONS

PRODUCT DOCUMENTS

Example use cases

Restrictions