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

# Create an account

`POST /accounts`

Create an account

## Request body

- AccountWrite
  - `customer_id` string, required — customer_id is required for consumer accounts <b>required for consumer accounts</b>
  - `business_id` string, required — business_id is required for commercial accounts <b>required for commercial accounts</b>
  - `program_id` string, required — represents the program set up with a Bond bank partner.
  - `type` 'deposit' | 'security_deposit', required — designates what type of account will be created; security_deposit is only manually created for commercial secured credit; consumer secured credit is automatically created on approval
  - `description` string — label for account <b>optional</b>

## Response `200`

OK

- AccountDocs
  - `account_id` string
  - `program_id` string, nullable
  - `customer_id` string, nullable
  - `business_id` string, nullable
  - `type` 'deposit' | 'credit' | 'security_deposit' | 'external'
  - `status` 'active' | 'inactive' | 'frozen' | 'closed'
  - `description` string
  - `routing_number` string, nullable
  - `account_number` string, nullable
  - `cards` string[]
  - `date_updated` string
  - `date_created` string
  - `balance` object
    - `current_balance` number — Funds that have posted to the account, some or all of it may be available to be transferred out of the account. For credit accounts, the current balance is amount of funds that have been spent on the credit card.
    - `available_balance` number — Funds that are available to be transferred out of the account and includes any pending transactions. For credit accounts, the available balance is the current balance plus the pending transactions.
    - `locked_balance` number — Funds that are reserved to, for example, pay off the balance of a secured charge card.
    - `previous_statement_balance` string — The current balance of the account as of the most recent statement generation date.
    - `currency` string
  - `credit` AccountCredit
    - `credit_limit` integer
    - `security_deposit_account_id` string, nullable
  - `deposit` AccountDeposit
  - `security_deposit` AccountSecurityDeposit
    - `credit_account_id` string, nullable

---

[API](https://skmtc.net/bond/apis/customer.md) · [All operations](https://skmtc.net/bond/apis/customer/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bond/customer/versions/62f5ac53144d/schema)