External Accounts

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.

AttributeDescription
id
string
Unique identifier for the account.
account_type
string
Can be checking, savings, cash, loan, non_resident, overdraft, or other.
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
{
  "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": "444444445",
      "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"
      }
    }
  ],
  "counterparty_id": "60df9366-c98e-4be9-a1af-163e792331cd",
  "intermediate_account_id": null,
  "verification_status": "unverified",
  "metadata": {},
  "created_at": "2019-11-09T00:11:07Z",
  "updated_at": "2019-11-09T00:11:07Z"
}