Complete bank account verification
Finalize the instant micro-deposit verification by submitting the verification code displayed in the user's bank account.
Upon successful verification, the bank account status will be updated to verified and eligible for ACH debit transactions.
The following formats are accepted:
MV0000mv00000000
To access this endpoint using an access token
you'll need to specify the /accounts/{accountID}/bank-accounts.write scope.
PUT
/accounts/{accountID}/bank-accounts/{bankAccountID}/verify
curl -X PUT "https://api.moov.io/accounts/{accountID}/bank-accounts/{bankAccountID}/verify" \
-H "Authorization: Bearer {token}" \
-H "X-Moov-Version: v2026.04.00" \
-d '{
"code": "MV1234"
}'mc, _ := moov.NewClient()
var accountID string
var bankAccountID string
mc.InstantVerificationComplete(ctx, accountID, bankAccountID, "MV1234")
import { Moov } from "@moovio/sdk";
const moov = new Moov({
security: {
username: "",
password: "",
},
});
async function run() {
const result = await moov.bankAccounts.completeVerification({
accountID: "2116e60b-0ea7-447e-a7af-5d647f92f06a",
bankAccountID: "96606c15-fd37-49fe-9af2-4e42dcf44fe3",
completeBankAccountVerification: {
code: "MV1234",
},
});
console.log(result);
}
run();declare(strict_types=1);
require 'vendor/autoload.php';
use Moov\MoovPhp;
use Moov\MoovPhp\Models\Components;
$sdk = MoovPhp\Moov::builder()
->setSecurity(
new Components\Security(
username: '',
password: '',
)
)
->build();
$completeBankAccountVerification = new Components\CompleteBankAccountVerification(
code: 'MV1234',
);
$response = $sdk->bankAccounts->completeVerification(
accountID: '2116e60b-0ea7-447e-a7af-5d647f92f06a',
bankAccountID: '96606c15-fd37-49fe-9af2-4e42dcf44fe3',
completeBankAccountVerification: $completeBankAccountVerification
);
if ($response->bankAccountVerification !== null) {
// handle response
}package hello.world;
import io.moov.sdk.Moov;
import io.moov.sdk.models.components.CompleteBankAccountVerification;
import io.moov.sdk.models.components.Security;
import io.moov.sdk.models.errors.GenericError;
import io.moov.sdk.models.operations.CompleteBankAccountVerificationResponse;
import java.lang.Exception;
public class Application {
public static void main(String[] args) throws GenericError, Exception {
Moov sdk = Moov.builder()
.security(Security.builder()
.username("")
.password("")
.build())
.build();
CompleteBankAccountVerificationResponse res = sdk.bankAccounts().completeVerification()
.accountID("2116e60b-0ea7-447e-a7af-5d647f92f06a")
.bankAccountID("96606c15-fd37-49fe-9af2-4e42dcf44fe3")
.completeBankAccountVerification(CompleteBankAccountVerification.builder()
.code("MV1234")
.build())
.call();
if (res.bankAccountVerification().isPresent()) {
System.out.println(res.bankAccountVerification().get());
}
}
}from moovio_sdk import Moov
from moovio_sdk.models import components
with Moov(
security=components.Security(
username="",
password="",
),
) as moov:
res = moov.bank_accounts.complete_verification(account_id="2116e60b-0ea7-447e-a7af-5d647f92f06a", bank_account_id="96606c15-fd37-49fe-9af2-4e42dcf44fe3", code="MV1234")
# Handle response
print(res)require 'moov_ruby'
Models = ::Moov::Models
s = ::Moov::Client.new(
security: Models::Components::Security.new(
username: '',
password: ''
)
)
res = s.bank_accounts.complete_verification(account_id: '2116e60b-0ea7-447e-a7af-5d647f92f06a', bank_account_id: '96606c15-fd37-49fe-9af2-4e42dcf44fe3', complete_bank_account_verification: Models::Components::CompleteBankAccountVerification.new(
code: 'MV1234'
))
unless res.bank_account_verification.nil?
# handle response
endusing Moov.Sdk;
using Moov.Sdk.Models.Components;
var sdk = new MoovClient(security: new Security() {
Username = "",
Password = "",
});
var res = await sdk.BankAccounts.CompleteVerificationAsync(
accountID: "2116e60b-0ea7-447e-a7af-5d647f92f06a",
bankAccountID: "96606c15-fd37-49fe-9af2-4e42dcf44fe3",
body: new CompleteBankAccountVerification() {
Code = "MV1234",
}
);
// handle responseThe request completed successfully.
{
"verificationMethod": "instant",
"status": "new",
"exceptionDetails": {
"achReturnCode": "R02",
"rtpRejectionCode": "AC03",
"fednowRejectionCode": "string",
"description": "string"
}
}Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The server could not understand the request due to invalid syntax.
{
"error": "string"
}Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The request contained missing or expired authentication.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The user is not authorized to make the request.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The requested resource was not found.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The request conflicted with the current state of the target resource.
{
"error": "string"
}Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The request was well-formed, but the contents failed validation. Check the request for missing or invalid fields.
{
"error": "string"
}Response headers
x-request-id
string
required
A unique identifier used to trace requests.
Request was refused due to rate limiting.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The request failed due to an unexpected error.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
The request failed because a downstream service failed to respond.
Response headers
x-request-id
string
required
A unique identifier used to trace requests.
Headers
X-Moov-Version
string
Set this header to v2026.04.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, which may not match the behavior documented here.
Possible values:
v2026.04.00
Path parameters
accountID
string
required
bankAccountID
string
required
Body
application/json
code
string
required
Code provided by user from their bank account transactions
Response
status
string<enum>
required
Possible values:
new,
sent-credit,
max-attempts-exceeded,
failed,
expired,
successful
verificationMethod
string<enum>
required
Possible values:
instant,
ach
exceptionDetails
object
Reason for, and details related to, an
errored or verificationFailed bank account status.
Show child attributes
description
string
required
Details related to an
errored or verificationFailed bank account status.
achReturnCode
string<enum>
The return code of an ACH transaction that caused the bank account status to change.
- R02: Account Closed
- R03: No Account/Unable to Locate Account
- R04: Invalid Account Number
- R05: Improper Debit to Consumer Account
- R07: Authorization Revoked by Customer
- R08: Payment Stopped
- R10: Customer Advises Originator is Not Known or Authorized to Receiver
- R11: Customer Advises Entry Not in Accordance with the Terms of the Authorization
- R12: Branch Sold to Another DFI
- R13: RDFI not qualified to participate
- R14: Representative payee deceased or unable to continue in that capacity
- R15: Beneficiary or bank account holder
- R16: Bank account frozen
- R17: Entry with Invalid Account Number Initiated Under Questionable Circumstances
- R20: Non-payment bank account
- R23: Credit entry refused by receiver
- R29: Corporate customer advises not authorized
- R34: Limited participation RDFI
- R38: Stop Payment on Source Document (Adjustment Entry)
- R39: Improper Source Document
Possible values:
R02,
R03,
R04,
R05,
R07,
R08,
R10,
R11,
R12,
R13,
R14,
R15,
R16,
R17,
R20,
R23,
R29,
R34,
R38,
R39
fednowRejectionCode
string
The rejection code of a FedNow transaction that caused the bank account status to change.
- AC02: Debtor account is invalid
- AC03: Creditor account is invalid
- AC04: Account closed
- AC06: Account is blocked
- AC07: Creditor account closed
- AC10: Debtor account currency is invalid or missing
- AC11: Creditor account currency is invalid or missing
- AC13: Debtor account type missing or invalid
- AC14: Creditor account type missing or invalid
- AG01: Transaction is forbidden on this type of account
- AG03: Transaction type is not supported/authorized on this account
- BE06: End customer specified is not known at associated Sort/National Bank Code or no longer exists in the books
- DUPL: Payment is a duplicate of another payment
- MD07: End customer is deceased
- NOAT: Receiving customer account does not support/accept this message type
- RC02: Bank identifier is invalid or missing
- RC03: Debtor FI identifier is invalid or missing
- RC04: Creditor FI identifier is invalid or missing
rtpRejectionCode
string<enum>
The rejection code of an RTP transaction that caused the bank account status to change.
- AC03: Account Invalid
- AC04: Account Closed
- AC06: Account Blocked
- AC14: Creditor Account Type Invalid
- AG01: Transactions Forbidden On Account
- AG03: Transaction Type Not Supported
- MD07: Customer Deceased
Possible values:
AC03,
AC04,
AC06,
AC14,
AG01,
AG03,
MD07