---
title: "Create a bank account"
method: POST
path: "/v3/funding-accounts/banks"
tags: ["funding-accounts"]
---

# Create a bank account

`POST /v3/funding-accounts/banks`

## Request

- Base URL: `https://gateway.stage.bill.com/connect`
- URL: `https://gateway.stage.bill.com/connect/v3/funding-accounts/banks`
- Auth: none declared

Create a new bank account. The currently signed-in user must have the `ADMINISTRATOR` user role in the BILL organization to perform this operation. BILL sends an email notification for informing you about changes to your funding accounts.

When you create a bank account, BILL sends a test ACH payment to confirm whether the account details are accurate.

In the response, three fields are set to their default values.
* The bank account `status` is set as `PENDING`. You can verify the bank account with `POST /v3/funding-accounts/banks/{bankAccountId}/verify`.
* The `payables` and `receivables` values are set as `false`. To update these values, update the bank account with `PATCH /v3/funding-accounts/banks/{bankAccountId}`.

**Note**: Creating a bank account requires an MFA-trusted API session. See [MFA setup](https://developer.bill.com/reference/setup) for information about the BILL MFA process.

See [Bank account setup (v3 API)](https://developer.bill.com/docs/bank-account-setup-v3-api) in the Guides section for more information, sample requests, and responses.

## Headers

- `sessionId` string, nullable: API session ID generated with `/v3/login`
- `devKey` string, nullable: Developer key generated with your BILL developer account

## Request body

- OrganizationBankAccountCreateRequestDto: Create a bank account
  - `nameOnAccount` string, required: Full name on bank account
  - `routingNumber` string: Bank routing number. This field is required.
  - `accountNumber` string: Bank account number. This field is required.
  - `type` 'CHECKING' | 'SAVINGS', required: Bank account type
  - `ownerType` 'BUSINESS' | 'PERSONAL', required: Bank account owner type
  - `bankName` string, required: Bank name. Set this field as a nickname for your bank account.
  - `accessToAdmins` boolean: Set as `true` to enable access to all users with the `ADMINISTRATOR` user role
  - `chartOfAccountId` string: BILL-generated ID of the chart of accounts for the bank account. The value begins with `0ca`.

## Response `201`

Create a bank account response

- OrganizationBankAccountResponseDto: Bank account response.
  - `id` string, required: BILL-generated ID of the bank account. The value begins with `bac`.
  - `archived` boolean, required: Set as `true` if the bank account is archived
  - `status` 'NOT_VERIFIED' | 'VERIFIED' | 'PENDING' | 'BLOCKED' | 'EXPIRED' | 'INVALID' | 'UNDEFINED': Bank account status.
  - `createdBy` string: BILL-generated ID of the user that created the bank account. The value begins with `006`.
  - `routingNumber` string: Bank routing number
  - `accountNumber` string: Bank account number
  - `nameOnAccount` string: Full name on bank account
  - `type` 'CHECKING' | 'SAVINGS': Bank account type
  - `ownerType` 'BUSINESS' | 'PERSONAL': Bank account owner type
  - `bankName` string: Bank name
  - `accessToAdmins` boolean: Set as `true` to enable access to all users with the `ADMINISTRATOR` user role
  - `default` object: Bank account default values for BILL AP and AR operations
    - `payables` boolean: Set as `true` if the bank account is set as default for Accounts Payable operations
    - `receivables` boolean: Set as `true` if the bank account is set as default for Accounts Receivable operations
  - `createdTime` string, date-time: Created date and time
  - `updatedTime` string, date-time: Updated date and time
  - `chartOfAccountId` string: BILL-generated ID of the chart of accounts for the bank account. The value begins with `0ca`.

## Other responses

- `4XX`: List of errors.
- `5XX`: List of errors.

---

[API](https://skmtc.dev/bill/apis/bill-v3-api.md) - [All operations](https://skmtc.dev/bill/apis/bill-v3-api/llms.txt) - [OpenAPI document](https://skmtc.dev/bill/apis/bill-v3-api/revisions/54edddceb0a5?raw)