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Link a new bank account to your business by submitting the account holder’s legal name, a display name, full account number, routing number, and account type. Once created, Cleo Pay initiates the micro-deposit verification process automatically — two small deposits will arrive in the account within 1–3 business days.

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HTTP Request

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Authentication

Include your bearer token on every request:

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Request Body

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holderName
string
required
The legal name of the account holder exactly as it appears on the bank account. This is used for payment processing and account validation.
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name
string
required
A human-readable display name for this account (e.g. "Primary Operating Account"). This is for your own reference and is returned in all subsequent responses.
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accountNumber
string
required
The full bank account number. This value is write-only — it is never returned in any API response after creation.
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routingNumber
string
required
The 9-digit ABA routing number for the account. This value is write-only — it is never returned in any API response after creation.
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type
string
required
The type of bank account. Must be one of checking or savings.

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Response Fields

A successful request returns HTTP 201 Created with the new bank account object.
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id
string
required
Unique identifier for the bank account.
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status
string
required
The initial status of a newly created account is pending_verification, indicating that micro-deposits have been initiated.
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type
string
required
The bank account type you submitted: checking or savings.
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connectionType
string
required
Always manual for accounts created via the API.
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name
string | null
The display name you provided.
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institutionName
string | null
The name of the financial institution, if resolved from the routing number.
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accountNumberLast4
string | null
The last four digits of the account number you submitted.
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routingNumberLast4
string | null
The last four digits of the routing number you submitted.
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isDefault
boolean
required
Whether this account has been set as the default for your business.
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microDepositsInitiatedAt
datetime | null
The timestamp at which micro-deposits were initiated. Populated immediately on successful account creation.
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microDepositsCompletedAt
datetime | null
The timestamp at which micro-deposits landed in the account. This will be null until the deposits arrive (typically 1–3 business days).
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verificationAttempts
number
required
The number of failed verification attempts. Always 0 on a newly created account.

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Example Request

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Example Response

accountNumber and routingNumber are write-only fields. After creation, only the last four digits of each are accessible via accountNumberLast4 and routingNumberLast4. Store sensitive account details securely before submitting them to the API if you need to retain them.
Micro-deposits are initiated automatically upon account creation. Check microDepositsCompletedAt on the account — once it is non-null, the deposits have landed and you can call the verify micro-deposits endpoint to complete verification.