---
title: "Remove Account Institution Opt Out"
method: DELETE
path: "/digital-banking/v1/accounts/{account_id}/institution-opt-outs/{federal_id}"
tags: ["Institution Opt-Outs"]
---

# Remove Account Institution Opt Out

`DELETE /digital-banking/v1/accounts/{account_id}/institution-opt-outs/{federal_id}`

## Request

- Base URL: `https://api.modernfi.com` (the document declares no server; this is the origin it was published from)
- URL: `https://api.modernfi.com/digital-banking/v1/accounts/{account_id}/institution-opt-outs/{federal_id}`
- Auth: HTTP bearer
- TypeScript: <https://skmtc.dev/modernfi/apis/endpoints/docs/digital-banking/v1/accounts/:account_id/institution-opt-outs/:federal_id/delete.ts> (a function with typed inputs; its response is checked against the schema)

Remove one institution, of either type, from an account sole owner's exclusions and return the account's exclusions. Removing an institution that is not excluded changes nothing. Rejected with 403 when the institution does not allow self-service exclusions or the account has more than one owner.

## Path parameters

- `account_id` union, required
  - string, uuid
  - string
- `federal_id` string, required: Federal id of the excluded institution, as returned by the list call.

## Query parameters

- `id_type` 'INSTITUTION': Type of the account id. Institution accounts ids are external ids and come from the institution.

## Request body

- RemoveAccountInstitutionOptOutRequest
  - `submitted_by` string, email, required: Email of the user making the change, recorded in the exclusion history.

## Response `200`

Successful Response

- AccountInstitutionOptOutsResponse
  - `opt_outs` InstitutionOptOutDetail[], required: Institutions this account's funds are excluded from: every owner's exclusions combined, ordered by federal id. Empty when nothing is excluded.
    - `federal_id` string, required: Identity of the excluded institution: `F` plus its FDIC certificate number for a bank, or `N` plus its NCUA charter number for a credit union. The letter matters, since a bank and a credit union can share a number.
    - `name` string, required: Display name: the institution's ModernFi network name when it is a network member, its FDIC/NCUA name otherwise, or the federal id when neither resolves.
    - `city` string, nullable, required: City of the institution's headquarters; null when the federal id does not resolve.
    - `state` string, nullable, required: Two-letter state code of the institution's headquarters; null when the federal id does not resolve.
  - `is_editable` boolean, required: True when the depositor may change these exclusions with the add and remove calls: the institution allows self-service exclusions and the account has a single owner. When false, show the exclusions read-only; the institution changes them.

## Other responses

- `400`: Bad Request - Invalid input or validation error
- `401`: Unauthenticated - Invalid or missing authentication credentials
- `403`: Unauthorized - Insufficient permissions to access resource
- `422`: Validation Error
- `500`: Internal Server Error

## Changes

- **2026-10-28** `5af8b361aeb9`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/modernfi/apis/endpoints/changes/digital-banking/v1/accounts/:account_id/institution-opt-outs/:federal_id/delete.md)

---

[API](https://skmtc.dev/modernfi/apis/endpoints.md) - [All operations](https://skmtc.dev/modernfi/apis/endpoints/llms.txt) - [OpenAPI document](https://skmtc.dev/modernfi/apis/endpoints/revisions/0647df8b53df?raw)