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

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

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

Collaborate to innovate.

Validate account information to process a payment.

Account Validation

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

Bank Holidays

Get authorized access to consumer banking account, transaction and tax data.

Data Toolbox

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

Data Toolbox - Accounts

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

Data Toolbox - Documents

Explore Data Toolbox – Transactions API

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

Data Toolbox - Transactions

Browse all available APIs for retail banking

Build solutions that get things done.

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.

RETAIL BANKING APIS

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Developer portal FAQ

GETTING STARTED

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

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

Step 1: Verify.

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

Step 2: Access.

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

Step 3: Compare.

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

Step 4: Recommend.

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

Step 5: Enrich.

API example: Data Toolbox

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

See how it works.

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

Generate greater insights to grow your business with our APIs.

Here are helpful thought leadership articles for greater practical insights.

The rapid integration enables improved choice and flexibility for customers when linking third-party apps with their accounts.

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

Learn more about fintech venture capital firms

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