---
title: "Create an account"
method: POST
path: "/accounts"
tags: ["Accounts"]
deprecated: true
---

# Create an account

`POST /accounts`

> **Deprecated.**

<Callout type="warning" title="Deprecated Warning">
  This endpoint is deprecated in favor of the Events API using an event of type "bank_account_created".
</Callout>

## Request body

- union — The account that is being evaluated. Typically this is the account that is owned by your organization. The body must contain either an `external_account_id` or `account_number`.
  - object
    - `bank_account_token` string — Alloy-generated unique identifier for the account
    - `external_account_id` string, required — Unique identifier associated with the account. At least one of `external_account_id` or `account_number` must be provided.
    - `account_number` string — Bank account number. At least one of `account_number` or `external_account_id` must be provided.
    - `account_class` 'deposit' | 'credit' | 'brokerage' — Allowed values are (`"deposit"`, `"credit"`, `"brokerage"`).
    - `account_name` string — Name of the account.
    - `routing_number` string — Routing number associated with the account.
    - `account_type` 'merchant account' | 'person', nullable — Allowed values are (`"merchant account"`, `"person"`, `null`).
    - `is_linked_account` boolean, nullable — Determines whether the account is a funding source or linked account.
    - `link_timestamp` string, date-time, nullable — ISO 8601 date. Required when `is_linked_account` is true. Cannot be future-dated.
    - `unlink_timestamp` string, date-time, nullable — ISO 8601 date. Cannot be future-dated.
    - `opening_date` string, date, nullable — UTC/ISO dates both accepted. Strings are converted to ISO timestamps. Date the account was opened.
    - `country_code` string, nullable — 2-character ISO Code (mainly used for merchant accounts).
    - `account_snapshot` AccountSnapshot — unresolved $ref
    - `product_code` string, nullable — Identifier of the product name.
    - `product_name` string, nullable — Name of the product associated with the account.
    - `product_number` string, nullable — Product number that corresponds to the product_name associated with the account.
    - `maturity_date` string, date, nullable — UTC/ISO dates are both accepted. Strings are converted to ISO timestamps. Date on which the final payment is due on a loan or other financial instrument, such as a bond or term deposit, at which point the principal is due to be paid.
    - `closing_date` string, date, nullable — UTC/ISO dates both accepted. Strings are converted to ISO timestamps. Date the account was closed.
    - `cif_number` string, nullable — Unique identifier used by bank cores to refer to a customer.
    - `card_network` string, nullable — Card network of the card that was used in this transaction.
    - `expiration_date` string, nullable
    - `tokenization_method` string, nullable — method of tokenization used to anonymize account information.
    - `merchant_category_code` string, nullable — The merchant category code (MCC) is used to classify a business by the purposes it serves or the products it sells.
    - `name_on_card` string, nullable — Name on the card used in this transaction.
    - `account_number_last4` string, nullable — Last four digits of account number
    - `avs` string, nullable — Verifies the numeric portions of the address against the billing address.
    - `currency` string, nullable — ISO-4217 currency code.
    - `meta` object, nullable — JSON object with any meta information related to the account
  - object
    - `bank_account_token` string — Alloy-generated unique identifier for the account
    - `external_account_id` string — Unique identifier associated with the account. At least one of `external_account_id` or `account_number` must be provided.
    - `account_number` string, required — Bank account number. At least one of `account_number` or `external_account_id` must be provided.
    - `account_class` 'deposit' | 'credit' | 'brokerage' — Allowed values are (`"deposit"`, `"credit"`, `"brokerage"`).
    - `account_name` string — Name of the account.
    - `routing_number` string — Routing number associated with the account.
    - `account_type` 'merchant account' | 'person', nullable — Allowed values are (`"merchant account"`, `"person"`, `null`).
    - `is_linked_account` boolean, nullable — Determines whether the account is a funding source or linked account.
    - `link_timestamp` string, date-time, nullable — ISO 8601 date. Required when `is_linked_account` is true. Cannot be future-dated.
    - `unlink_timestamp` string, date-time, nullable — ISO 8601 date. Cannot be future-dated.
    - `opening_date` string, date, nullable — UTC/ISO dates both accepted. Strings are converted to ISO timestamps. Date the account was opened.
    - `country_code` string, nullable — 2-character ISO Code (mainly used for merchant accounts).
    - `account_snapshot` AccountSnapshot — unresolved $ref
    - `product_code` string, nullable — Identifier of the product name.
    - `product_name` string, nullable — Name of the product associated with the account.
    - `product_number` string, nullable — Product number that corresponds to the product_name associated with the account.
    - `maturity_date` string, date, nullable — UTC/ISO dates are both accepted. Strings are converted to ISO timestamps. Date on which the final payment is due on a loan or other financial instrument, such as a bond or term deposit, at which point the principal is due to be paid.
    - `closing_date` string, date, nullable — UTC/ISO dates both accepted. Strings are converted to ISO timestamps. Date the account was closed.
    - `cif_number` string, nullable — Unique identifier used by bank cores to refer to a customer.
    - `card_network` string, nullable — Card network of the card that was used in this transaction.
    - `expiration_date` string, nullable
    - `tokenization_method` string, nullable — method of tokenization used to anonymize account information.
    - `merchant_category_code` string, nullable — The merchant category code (MCC) is used to classify a business by the purposes it serves or the products it sells.
    - `name_on_card` string, nullable — Name on the card used in this transaction.
    - `account_number_last4` string, nullable — Last four digits of account number
    - `avs` string, nullable — Verifies the numeric portions of the address against the billing address.
    - `currency` string, nullable — ISO-4217 currency code.
    - `meta` object, nullable — JSON object with any meta information related to the account

## Response `201`

Account has been created

- 0 — unresolved $ref

---

[API](https://skmtc.dev/alloy/apis/alloy-api.md) · [All operations](https://skmtc.dev/alloy/apis/alloy-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/alloy/alloy-api/revisions/405799de4d2a/schema)