RETAIL BANKING APIS

Connect consumer data to a better customer experience.

Whether you need to verify account identity and transaction activity, or provide recommendations, alerts and personalized offers, find the retail banking API to meet your needs.

Generate greater insights to grow your business with our APIs.

Create value-added services when your systems are integrated directly with U.S. Bank retail banking APIs, including:
  • Secure authentication and account ownership.
  • Access account, statement and transaction details.
  • Define a consumer risk score to reduce fees and prevent fraud.
  • Offer new loan opportunities or account balance tools.

See how it works.

Here’s an API frequently used to implement consumer financial data to enhance the customer experience.

API example: Data Toolbox

Access authorized consumer savings accounts and create personalized offers and services.

  • Step 1: Verify.

    Use our Accounts feature to verify account identity and enhance security.

  • Step 2: Access.

    Get the current balance of the savings account. Then use the Documents feature to obtain spending habits.

  • Step 3: Compare.

    Compare the savings balance against consumer income and spend to see if it meets financial health indicators.

  • Step 4: Recommend.

    Offer your customer an increase to their balance if they have less than three months of income in their savings account.

  • Step 5: Enrich.

    Help customers stay on top of payments and balances by analyzing deposits and payment frequency with our Transactions feature.

Build solutions that get things done.

Browse all available APIs for retail banking.

  • Account Validation

    Validate account information to process a payment.

  • Bank Holidays

    Select a specific date, custom date range or year to view days that U.S. Bank is closed due to bank holidays.

  • Data Toolbox

    To enhance the implementation and onboarding experience, U.S. Bank has designed this API as a suite to include the functions of all the Data Toolbox APIs.

  • Data Toolbox

    To enhance the implementation and onboarding experience, U.S. Bank has designed this API as a suite to include the functions of all the Data Toolbox APIs.

  • Data Toolbox - Accounts

    Get authorized access to retail banking consumer account details and create offerings to improve the financial services experience.

  • Data Toolbox - Documents

    View tax forms and account statements to provide time-saving opportunities for retail banking customers.

  • Data Toolbox - Transactions

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

Collaborate to innovate.

Hear success stories from other clients using our retail banking APIs.

Case study

Akoya utilizes U.S. Bank APIs, Developer Portal and strong collaboration for easy integration

This enables U.S. Bank customers to permit access to their bank data for fintechs and data aggregators…

See how they did it

Learn more about consumer banking innovation at U.S. Bank.

Here are helpful thought leadership articles for greater practical insights.

  • Plaid and U.S. Bank collaborate to deliver a secure open finance experience

    The rapid integration enables improved choice and flexibility for customers when linking third-party…

  • Why U.S. Bank is taking an ownership stake in two fintech venture capital firms

    We are investing in the future of fintech and accelerating our dedicated fintech engagement team.