Bank accounts are the financial primitive every other Embedded Banking object hangs off — transfers move funds between them, statements summarize them, webhooks announce changes on them. “Bank account” specifically means a deposit-account record on theDocumentation Index
Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt
Use this file to discover all available pages before exploring further.
bank-accounts resource, distinct from ledger accounts and other account types elsewhere on the platform. Two kinds exist, and they get into the system differently.
- Internal bank accounts live at Tesouro’s sponsor bank. They’re created when a bank account application reaches
COMPLETE, and theiridis what most endpoints take as a path parameter. - External bank accounts live at the user’s outside bank and exist inside Embedded Banking only as a verified pointer that ACH can target. They’re a top-level resource at
/embedded-banking/v1/external-bank-accountsand are created by the linking flow.
| Internal | External | |
|---|---|---|
| Resource path | /embedded-banking/v1/bank-accounts | /embedded-banking/v1/external-bank-accounts |
| Where the funds live | Tesouro’s sponsor bank | The user’s outside bank |
| How it’s created | Bank account application reaches COMPLETE | Connect + link + validate flow with micro-ACH verification |
| Holds a balance Tesouro can read | Yes | No — Tesouro doesn’t see the upstream balance |
| Can be source or destination | Either, on every rail | ACH only, gated on VERIFIED |
| Lifecycle states | ACTIVE, CLOSED | verificationStatus: UNVERIFIED, VERIFICATION_SENT, VERIFIED, FAILED; accountStatus: ACTIVE until upstream signals otherwise |
Where to next
Internal bank accounts
How an internal bank account gets provisioned post-KYB and what’s usable on day one.
Closing a bank account
Patching
status to CLOSED, what the sponsor bank rejects, and how the post-closure state behaves.External bank accounts
Why external bank accounts exist, what’s on the record, and how they relate to money movement.
Linking an external bank account
The three-call connect/link/validate sequence and the verification statuses.
Troubleshooting
Missing micro-deposits, failed verification, rejecting banks, and post-verification failures.