v1

latestOpenAPI 3.1.02026-07-243113441.2 MB

Bank Accounts

Create a bank account from a plaid processor token

This endpoint creates a new verified bank account by using a plaid processor token to retrieve its information.

📘 To create a token please use the plaid api and select "gusto" as processor.

🚧 Warning - Company Bank Accounts

If a default company bank account exists, it will be disabled and the new bank account will replace it as the company's default funding method.

scope: plaid_processor:write

post/v1/plaid/processor_token

Headers

X-Gusto-API-Version'2026-06-15'

Determines the date-based API version associated with your API call. If none is provided, your application's minimum API version is used.

Request body

owner_type'Company' required

The owner type of the bank account

owner_idstring required

The owner UUID of the bank account

processor_tokenstring required

The Plaid processor token

Response

A JSON object containing bank information

uuidstring required

UUID of the bank account

company_uuidstring

UUID of the company

account_type'Checking' | 'Savings'

Bank account type

routing_numberstring

The bank account's routing number

hidden_account_numberstring

Masked bank account number

verification_status'awaiting_deposits' | 'ready_for_verification' | 'verified'

The verification status of the bank account.

'awaiting_deposits' means the bank account is just created and money is being transferred. 'ready_for_verification' means the micro-deposits are completed and the verification process can begin by using the verify endpoint. 'verified' means the bank account is verified.

verification_type'bank_deposits' | 'plaid' | 'plaid_external'

The verification type of the bank account.

'bank_deposits' means the bank account is connected by entering routing and accounting numbers and verifying through micro-deposits. 'plaid' means the bank account is connected through Plaid.

plaid_status'connected' | 'disconnected' nullable

The Plaid connection status of the bank account. Only applies when verification type is Plaid.

last_cached_balancestring nullable

The last fetch balance for the bank account. Please be aware that this amount does not reflect the most up-to-date balance and only applies when the verification type is Plaid.

balance_fetched_datestring nullable

The balance fetch date associated with the last_cached_balance. Only applies when verification type is Plaid.

namestring

Name of bank account

reverse_wire_enabledboolean nullable

Whether the company has at least one bank account with active reverse-wire funding. The same value is returned on every bank-account row in this response.