Approve External Account

The Approve External Account endpoint updates the status of an external bank account linked to a customer profile to "approved," enabling it to be used for transactions. This ensures that only verified and secure external accounts can interact with the Netevia banking platform. The approval process may involve validation that the account meets defined criteria before the status change is persisted.

Endpoint

POST /netevia/externalAccount/approve/{profileId}

Authentication

Bearer token required. Obtain via:

POST https://api.banking.netevia.dev/api/auth/v2

Include in header: Authorization: Bearer {token}
Token lifetime: 10 minutes. Refresh via POST /api/auth/refresh.

When to use

Use this endpoint after a customer has linked an external bank account (via Finicity or Plaid) and the account has passed underwriting verification. Approving the account makes it eligible for ACH transfers and other banking operations. This step is required before the external account can be used in any transaction flow.

Path Parameters

Query Parameters

Response

200 OK

The response may be one of two schemas depending on whether a financial account is opened as part of the approval.

BoardingResponse

changeLog items

OpenFinancialAccountResponse (extends BoardingResponse)

{
  "profileId": 100234,
  "errors": null,
  "success": true,
  "changeLog": [
    {
      "requestType": 3,
      "changes": "External account status updated to approved"
    }
  ],
  "financialAccountId": "fa_8d2a9c3e7f1b04e5"
}

Error Codes

Common Mistakes

• Passing a profileId that belongs to a profile with no linked external account — the account must be linked before it can be approved.
• Attempting to approve an account that has already been approved — check the current account status first to avoid redundant calls.
• Omitting the Authorization header or using an expired token, which will return a 401 error.
• Providing financialAccountId as a path parameter instead of a query parameter.

Related Endpoints

• POST /netevia/externalAccount/link/{profileId} — Link an external bank account to a customer profile via Finicity or Plaid before approval.
• GET /netevia/externalAccount/{profileId} — Retrieve external accounts linked to a profile and check their current status.
• DELETE /netevia/externalAccount/{profileId} — Remove a linked external account from a customer profile.
• POST /api/auth/v2 — Obtain a Bearer token for authentication.
• POST /api/auth/refresh — Refresh an expiring Bearer token.

Example

curl -X POST https://api.banking.netevia.dev/netevia/externalAccount/approve/100234 \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json"

With optional financialAccountId query parameter:

curl -X POST "https://api.banking.netevia.dev/netevia/externalAccount/approve/100234?financialAccountId=fa_8d2a9c3e7f1b04e5" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json"