An external_account is a bank account that belongs to a counterparty. External Accounts contain the relevant name, address, entity type information necessary for making payments.

Occasionally banks have different routing numbers for ACH and wire payments. Modern Treasury makes it simple to capture this information in the form of routing details.

🚧
External Accounts must belong to a Counterparty to receive payments from a Modern Treasury Payments account.

Attribute	Description
id string	Unique identifier for the account.
account_type string	The type of account. This is usually `checking`, `savings`, `other`, or left null. For some use cases, this also supports the values `cash`, `general_ledger`, `loan`, `non_resident`, `overdraft`
party_name string	The legal name of the entity which owns the account.
party_type string	Either `individual` or `business`.
party_address object	The address associated with the owner or `null`.
account_details array object	An array of account detail objects.
routing_details array object	An array of routing detail objects.
name string	A nickname for the account.
metadata object	Additional data represented as key-value pairs. Both the key and value must be strings. See Metadata.
live_mode boolean	This field will be true if this object was created with a production API key or false if created with a test API key.
counterparty_id string	The ID of the Counterparty.
verification_status string	The verification status of the external account. Can be one of `unverified`, `pending_verification`, or `verified`. For more on how verification statuses are used, refer to External Account Verification.
verification_source string	The verification source of the external account. Can be one of `ach_prenote`, `microdeposits`, or `plaid`. For more on how verification is done, refer to External Account Verification.
ledger_account_id object	The Ledger Account id linked to this `external_account`. See Linking to Other Modern Treasury Objects.
external_id string	An optional user-defined 180 character unique identifier

{
  "id": "22c19f2f-14cf-4a17-b5d0-c6838e3eaeb3",
  "object": "external_account",
  "account_type": "checking",
  "party_name": "Mitchell LLC",
  "party_type": "business",
  "name": null,
  "party_address": {
    "id": "4076977f-aa24-4273-b18f-a5e9f585550a",
    "object": "address",
    "line1": "680 Darron Flats",
    "line2": null,
    "locality": "Lake Boville",
    "region": "WV",
    "postal_code": "36045-2227",
    "country": "US"
  },
  "account_details": [
    {
      "id": "5668c0cf-972d-49c6-970f-b32591f3e8a6",
      "object": "account_detail",
      "account_number_safe": "4445",
      "account_number_type": "other"
    }
  ],
  "routing_details": [
    {
      "id": "a2d0e5c4-3058-4c04-9e75-d691a967305f",
      "object": "routing_detail",
      "payment_type": "wire",
      "routing_number": "021000021",
      "routing_number_type": "aba",
      "bank_name": "JPMORGAN CHASE BANK, NA",
      "bank_address": {
        "id": "29024065-ebd1-4a72-97b8-814108f14511",
        "object": "address",
        "line1": "14249 Stewart Ranch",
        "line2": null,
        "locality": "East Graham",
        "region": "IL",
        "postal_code": "75520",
        "country": "US"
      }
    },
    {
      "id": "ec6d8ad5-6bf6-4861-b748-0f2d3cf35191",
      "object": "routing_detail",
      "payment_type": "ach",
      "routing_number": "021000021",
      "routing_number_type": "aba",
      "bank_name": "JPMORGAN CHASE BANK, NA",
      "bank_address": {
        "id": "16b7e236-6170-4fa9-9fb7-706edf7d3ff1",
        "object": "address",
        "line1": "504 Jakubowski Lodge",
        "line2": null,
        "locality": "South Jamee",
        "region": "AZ",
        "postal_code": "27953-3448",
        "country": "US"
      }
    }
  ],
  "external_id": null,
  "counterparty_id": "60df9366-c98e-4be9-a1af-163e792331cd",
  "intermediate_account_id": null,
  "verification_status": "unverified",
  "verification_source": null,
  "metadata": {},
  "ledger_account_id": "f1c7e474-e6d5-4741-9f76-04510c8b6d7a",
  "created_at": "2019-11-09T00:11:07Z",
  "updated_at": "2019-11-09T00:11:07Z"
}