Your program and accounts at Lithic each have their own balances and history of financial transactions (e.g., card transactions, ACH funding) that contributed to that balance. This information is captured by the Financial Accounts object.

There are two types of financial accounts:

• ISSUING: represents balance and financial transaction history for funds set aside for settling card transactions
• RESERVE: represents balance and financial transaction history for your reserve funds

Your program by default has an ISSUING and a RESERVE financial account

If you are on Lithic Send, each enrolled account will have its own separate ISSUING financial account that is independent from your program’s ISSUING financial account. All cards generated for an account are funded by the account’s ISSUING financial account:

Depending on your set-up, some of your financial accounts will be able to track funds received from external bank accounts via ACH. For example, if you are on Lithic Send, your program’s financial accounts will be able to track ACH funds directly but not your accounts’ financial accounts. You can determine whether a financial account can track ACH by querying our Financial Accounts API.

If you want to learn more about how financial accounts enable Lithic Send, check out our guide on Quick Start - Lithic Send.

Financial Account Schema

{
    "token": String,
    "created": String,
    "updated": String,
    "type": String,
    "routing_number": String,
    "account_number": String
}

List Financial Accounts

List the details of the financial accounts for a program or a given end-user account. This endpoint can only be used for financial accounts that are managed by the program associated with the calling API key. If an account_token is passed as a query parameter, then the endpoint returns a list of financial account objects associated with that end-user account.

GET https://api.lithic.com/v1/financial_accounts

Sample Request

curl https://api.lithic.com/v1/financial_accounts \
  -H 'Authorization: YOUR_API_KEY'

Sample Response

{
  "data": [
    {
      "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
      "created": "2022-07-18T15:22:56.548Z",
      "updated": "2022-07-18T15:22:56.548Z",
      "type": "ISSUING",
      "routing_number": "string",
      "account_number": "string"
    },
    {
      "token": "f83j4ng0-5817-bf62-c3d0-4b963d76f09p",
      "created": "2022-07-18T15:22:56.548Z",
      "updated": "2022-07-18T15:22:56.548Z",
      "type": "RESERVE",
      "routing_number": "string",
      "account_number": "string"
    }
  ],
  "has_more": false
}

Enumerations

Financial_accounts.type