Bank account status

A bank account's status and statusReason tell you whether it's verified and what to do if verification failed.

Get both fields from the retrieve a bank account GET endpoint, or subscribe to the bankAccount.updated webhook to be notified when they change.

Account status	Description
`new`	New account that can receive funds, but verification not initiated
`pending`	Micro-deposit process has kicked off, but is not yet complete
`verified`	Bank account has been successfully verified
`verificationFailed`	The maximum number of micro-deposit attempts has been exceeded, the amounts have expired, or a certain event occurred (for example, an ACH return)
`errored`	Moov locked the account for security purposes, or due to a certain event

Two of the statuses will require you to take action before the verification process can proceed:

errored: You will need to add a new bank account (or contact Moov)
verificationFailed: You will need to reverify (typically, reinitiate micro-deposits)

A statusReason is provided alongside status and provides further details. Below is a list of reasons a bank account might have a particular status, and the associated action you will need to take:

Status reason	Account status	Action
`bank-account-created`	`new`	None
`verification-initiated`	`pending`	None
`verification-successful`	`verified`	None
`micro-deposit-expired`	`errored` `verificationFailed`	Add new bank account Reverify
`micro-deposit-return`	`errored` `verificationFailed`	Add new bank account Reverify
`micro-deposit-attempts-exceeded`	`verificationFailed`	Reverify
`max-verification-failures`	`errored`	Add new bank account
`ach-debit-return`	`errored` `verificationFailed`	Add new bank account Reverify
`ach-credit-return`	`errored` `verificationFailed`	Add new bank account Reverify
`rtp-credit-failure`	`errored` `verificationFailed`	Add new bank account Reverify
`admin-action`	Any of the above statuses	Any of the above actions
`other`	Any of the above statuses	Any of the above actions

As indicated above, status and corresponding actions may differ between returns received on ACH transfers and ACH micro-deposits. See the ACH returns guide to view a full list of ACH return codes. Additional information is also available for ACH debit and credit return scenarios.

If you're experiencing issues with a bank account status, contact Moov.

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