---
title: "Get a Bank Account"
method: GET
path: "/payables/payer_accounts/{payer_id}/bank_accounts/{id}"
tags: ["Payee Bank Accounts"]
---

# Get a Bank Account

`GET /payables/payer_accounts/{payer_id}/bank_accounts/{id}`

## Request

- Base URL: `https://api.justifi.ai/v1`
- URL: `https://api.justifi.ai/v1/payables/payer_accounts/{payer_id}/bank_accounts/{id}`
- Auth: none declared. Required headers: `Authorization`
- TypeScript: <https://skmtc.dev/justifi/apis/justifi-api-documentation/docs/payables/payer_accounts/:payer_id/bank_accounts/:id/get.ts> (a function with typed inputs; its response is checked against the schema)

## Path parameters

- `payer_id` string, required
- `id` string, required

## Headers

- `Authorization` string, required

## Response `200`

Successfully retrieved the bank account

- object: the standard JustiFi response envelope for a single record
  - `id` string, required: the object id, also found in the data object
  - `type` string, required: the object type
  - `data` object, required: A bank account used for Payables money movement. Exactly one of `payer_account_id` or `payee_id` is set: the former for a funding account (the principal is pulled from it), the latter for a payee's receiving account (the principal is paid to it). Account numbers are write-only — accepted on create, never returned; responses expose only the last four digits. Bank accounts are immutable: to correct details (e.g. after a NOC), a new record is created rather than edited in place. **Which record is active is determined by the owner**, via `payer_account.funding_bank_account_id` or `payee.receiving_bank_account_id` — so registering a new account and pointing the owner at it supersedes the previous one. Listing an owner's bank accounts by `created_at` therefore gives its full account history.
    - `id` string: unique bank account id
    - `type` string: the object type, matching the enclosing envelope's `type`
    - `payer_account_id` string, nullable: the payer account that owns this bank account, when it is a **funding** account. Null on a payee's receiving account. Exactly one of `payer_account_id` and `payee_id` is non-null.
    - `account_holder_name` string: the name on the bank account
    - `routing_number` string: the 9-digit ABA routing number
    - `account_number_last4` string: the last four digits of the account number (the full number is never returned)
    - `account_type` 'checking' | 'savings': the type of bank account
    - `payee_id` string, nullable: the payee that owns this bank account, when it is a **receiving** account. Null on a payer's funding account. Exactly one of `payer_account_id` and `payee_id` is non-null.
    - `verification_status` 'not_required' | 'pending' | 'verified' | 'failed': the state of bank account verification. Read together with which owner field is set, this is the model's signal for how the account is handled: - `not_required` — a payee (receiving) account. Payables does not verify payee accounts; payments are sent without upfront validation, and a bad account surfaces as a returned credit. This is a settled state rather than a "not yet verified" one. - `pending` — a payer (funding) account whose validation is in progress. Payer funding accounts are validated in-app (e.g. during portal funding setup). - `verified` — a payer funding account that has been validated; only a `verified` funding account may fund a payment. - `failed` — validation of a payer funding account failed; it cannot fund payments.
    - `created_at` string, date-time
    - `updated_at` string, date-time
  - `page_info` unknown, required

## Other responses

- `401`: The access token is missing, expired, or invalid.
- `403`: The credentials are valid but not permitted to access this resource.
- `404`: No resource exists for the given id (within the scoped payer account).
- `429`: The rate limit has been exceeded. Back off and retry after the interval indicated by the `Retry-After` header.

---

[API](https://skmtc.dev/justifi/apis/justifi-api-documentation.md) - [All operations](https://skmtc.dev/justifi/apis/justifi-api-documentation/llms.txt) - [OpenAPI document](https://skmtc.dev/justifi/apis/justifi-api-documentation/revisions/dd9f3fed7e46?raw)