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REST API EndpointsUsers

Ach Application List

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List the ACH applications you can access.

Available to: All authenticated users

Environments: Demo, Live

Rate Limit: No endpoint-specific limit

Returns every AchApplication entity visible to the calling user. The request has no query parameters. An empty array means no ACH applications are visible to the caller. Check archived before deciding whether an application is active.

Use dormanAccountId to match an application to the id returned by the account list. The fields most relevant to a Plaid-linked application are:

  • id: The ACH application ID used for relinking.
  • status: The application’s current state.
  • dormanAccountId and dormanAccountName: The linked trading account’s ID and exact name.
  • financialInstitutionName and accountType: The linked financial institution and bank-account type.
  • accountMask: The last four characters of the linked account number when Plaid supplies a mask.

After linking a Plaid item, refresh this list once to read the resulting application. Approved means the application can be used for ACH funding. UnderReview is a valid link result, but it isn’t eligible for ACH funding; recheck the application later rather than treating the link as failed or repeatedly polling this endpoint.

The service permits only one active ACH application per trading account. An application is active when it isn’t archived and its status is neither Rejected nor RequiresRelink. Use a RequiresRelink application for the relink flow instead of creating a second active application.

Common Failure Scenarios

  • The access token is missing, expired, or invalid (returns HTTP 401).

Authentication

AuthorizationBearer

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

Response

ACH applications visible to the authenticated user
archivedboolean
Whether the ACH application has been archived
idlongOptional
userIdlongOptional
timestampdatetimeOptional
statusenumOptional
Approved, Created, MicroDepositConfirmed, MicroDepositFailedThreeTimes, MicroDepositPending, MicroDepositPosted, MicroDepositReversed, MicroDepositTenDaysElapsed, MicroDepositTransferFailure, MicroDepositTransferred, Rejected, RequiresRelink, Signed, Suspended, UnderReview
financialInstitutionNamestringOptional<=64 characters
accountTypeenumOptional
BrokerageCash, CD, Checking, Educational, EmployeeRetirementAccount401k, HealthSavingsAccount, Individual, IndividualRetirementAccount, JointTenantsWithRightsOfSurvivorship, MoneyMarket, Other, RothIRA, Savings
accountNumberstringOptional<=64 characters
routingNumberstringOptional<=64 characters
dormanAccountIdlongOptional
Dorman Account
dormanAccountNamestringOptional<=64 characters
transaction1doubleOptional

Transaction #1

transaction2doubleOptional

Transaction #2

transaction3doubleOptional

Transaction #3

nameAtBankstringOptional<=8192 characters
suspendNotesstringOptional<=8192 characters
microDepositConfirmedbooleanOptional
titleConfirmedbooleanOptional
titleUploadTimestampdatetimeOptional
microDepositPostedTimestampdatetimeOptional
disclosureIdlongOptional
accountMaskstringOptional
isTokenizedAccountNumberbooleanOptional