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POST
/
v0
/
accounts
curl --request POST \ --url https://api.sandbox.lead.bank/v0/accounts \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --header 'Idempotency-Key: <idempotency-key>' \ --data ' { "capabilities": [ "deposit" ], "entities": { "account_holder_type": "consumer", "account_holders": [ "entity_consumer_123" ] }, "details": { "product_name": "Everyday Checking" }, "metadata": {}, "documents": [] } '
{ "id": "account_xyz123", "created_at": "2023-11-07T05:31:56Z", "updated_at": "2023-11-07T05:31:56Z", "application_id": "application_xyz123", "status": "active", "status_reason": "client_closed", "capabilities": [ "deposit" ], "entities": { "account_holder_type": "consumer" }, "details": { "product_name": "<string>", "closed_at": "2023-11-07T05:31:56Z", "credit": { "is_secured": true, "is_mla": true, "underwriting_grade": "<string>", "currency": "USD", "available_credit": 123, "limit": 123, "max_limit": 123, "scra": { "start_date": "2023-12-25", "end_date": "2023-12-25" }, "report": { "score": 575, "pulled_at": "2023-11-07T05:31:56Z", "source": "equifax" } }, "adverse_action_notice": { "delivered_at": "2023-11-07T05:31:56Z", "reason": "<string>", "delivery_method": "email" } }, "metadata": {}, "documents": [ { "document_id": "document_2N5Hk8xYmQpL9rBvC3jD", "type": "aan", "displayed_at": "2023-11-07T05:31:56Z", "consented_at": "2023-11-07T05:31:56Z", "version": "v1" } ], "client_account_id": "<string>" }

Documentation Index

Fetch the complete documentation index at: https://docs.lead.bank/llms.txt

Use this file to discover all available pages before exploring further.

Authorizations

​
Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Headers

​
Idempotency-Key
string
required

Unique key to ensure idempotent requests

Maximum string length: 255

Body

application/json

Request body for creating a new account

​
capabilities
enum<string>[]
required

List of items that inform Lead how the Account will be used

Minimum array length: 1

Capability that informs Lead how the Account will be used

Available options:
deposit,
credit_with_underwriting,
credit_without_underwriting
​
entities
object
required

Entity relationships for the account (POST request only). Maximum 20 entities per relationship type. Cannot mix individual and business/sole_prop entities in account_holders. Authorized signers required for business/sole_prop account holders.

​
details
object
required

Details for creating an account

​
documents
(Disclosure · object | Consent · object)[]
required

Array of associated legal or informational documents

Document reference for creating applications and accounts.

One of displayed_at or consented_at is required depending on document type:

  • displayed_at: Required for aan, loan_agreement, loc_agreement, truth_in_lending_document, ach_authorization, notice_of_incompleteness, credit_score_notice, offer_summary, personal_guarantee, consumer_credit_auth, partner_privacy_policy, lead_privacy_policy, terms_of_use, fcra_notice, tcpa_consent, patriot_act_notice, mla_notice, pre_approval_terms, eft_authorization, prohibited_industry_certification, decision_maker_document, bo_certification, missed_payments_policy, lead_funds_transfer_agreement
  • consented_at: Required for esign_agreement, credit_pull_consent, consent_to_link_account, consent_to_link_hsa, negative_option_consent
​
application_id
string

Unique identifier for the application. Prefixed with application_.

Pattern: ^application_\w+$
Example:

"application_xyz123"

​
metadata
object

A set of key-value pairs that can be used to store additional information related to this object.

Response

Account created successfully.

An account object

​
id
string

The ID of the Account object.

Pattern: ^account_\w+$
Example:

"account_xyz123"

​
created_at
string<date-time>
read-only

Creation timestamp

​
updated_at
string<date-time>
read-only

Last update timestamp

​
application_id
string

Unique identifier for the application. Prefixed with application_.

Pattern: ^application_\w+$
Example:

"application_xyz123"

​
status
enum<string>

Current state of the account

Available options:
active,
inactive,
closed
​
status_reason
enum<string>

Machine-readable reason for the current status

Available options:
client_closed,
entity_closed,
frozen,
dormant,
active,
paid_off,
charged_off,
canceled,
other
​
capabilities
enum<string>[]

List of items that inform Lead how the Account will be used

Capability that informs Lead how the Account will be used

Available options:
deposit,
credit_with_underwriting,
credit_without_underwriting
​
entities
object
read-only

Entity relationships associated with the account (response only)

​
details
object
read-only

Core details of the account

​
metadata
object

A set of key-value pairs that can be used to store additional information related to this object.

​
documents
object[]

Array of associated legal or informational documents

​
client_account_id
string

Client-provided identifier for the account. Only populated in GET /v0/accounts/{id} response.