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

# Add Account Institution Opt Out

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

## 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`
- Auth: HTTP bearer
- TypeScript: <https://skmtc.dev/modernfi/apis/endpoints/docs/digital-banking/v1/accounts/:account_id/institution-opt-outs/post.ts> (a function with typed inputs; its response is checked against the schema)

Exclude one institution for an account's sole owner and return the account's exclusions. 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

## Query parameters

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

## Request body

- AddAccountInstitutionOptOutRequest
  - `federal_id` string, required: Institution to exclude, as a federal id. A bare certificate number is taken as the caller's own institution type. Only institutions of the caller's own type can be added. Adding an institution that is already excluded changes nothing.
  - `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/post.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)