Truist Financial Accounts API

openapi: 3.2.0
info:
  title: Truist Personal and Small Business Accounts API
  description: Provides programmatic access to consumer and small business deposit account information, including account details, balances, account types, and ownership information for authenticated Truist clients.
  version: 1.0.0
  contact:
    url: https://developer.truist.com/
  termsOfService: https://www.truist.com/about-truist/terms-conditions
servers:
- url: https://api.truist.com/v1
  description: Production
tags:
- name: Accounts
  description: Personal and small business account operations
paths:
  /personal/accounts:
    get:
      operationId: listPersonalAccounts
      summary: List Personal Accounts
      description: Retrieve a list of personal and small business deposit accounts for the authenticated client.
      tags:
      - Accounts
      security:
      - OAuth2:
        - accounts:read
      parameters:
      - name: Authorization
        in: header
        required: true
        schema:
          type: string
        description: Bearer token for OAuth 2.0 authentication
      responses:
        '200':
          description: List of accounts retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountListResponse'
        '401':
          description: Unauthorized - invalid or missing token
        '403':
          description: Forbidden - insufficient permissions
  /personal/accounts/{accountId}:
    get:
      operationId: getPersonalAccount
      summary: Get Personal Account
      description: Retrieve details for a specific personal or small business deposit account.
      tags:
      - Accounts
      security:
      - OAuth2:
        - accounts:read
      parameters:
      - name: accountId
        in: path
        required: true
        schema:
          type: string
        description: Unique account identifier
      - name: Authorization
        in: header
        required: true
        schema:
          type: string
        description: Bearer token for OAuth 2.0 authentication
      responses:
        '200':
          description: Account details retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          description: Unauthorized
        '403':
          description: Forbidden
        '404':
          description: Account not found
  /personal/accounts/{accountId}/balances:
    get:
      operationId: getPersonalAccountBalances
      summary: Get Personal Account Balances
      description: Retrieve current and available balances for a personal or small business account.
      tags:
      - Accounts
      security:
      - OAuth2:
        - accounts:read
      parameters:
      - name: accountId
        in: path
        required: true
        schema:
          type: string
        description: Unique account identifier
      - name: Authorization
        in: header
        required: true
        schema:
          type: string
        description: Bearer token for OAuth 2.0 authentication
      responses:
        '200':
          description: Account balances retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountBalances'
        '401':
          description: Unauthorized
        '404':
          description: Account not found
components:
  schemas:
    AccountBalances:
      type: object
      properties:
        accountId:
          type: string
          description: Unique account identifier
        currentBalance:
          type: number
          format: double
          description: Current ledger balance
        availableBalance:
          type: number
          format: double
          description: Available balance for transactions
        pendingBalance:
          type: number
          format: double
          description: Balance of pending transactions
        currency:
          type: string
          default: USD
          description: Currency code
        asOfDateTime:
          type: string
          format: date-time
          description: Timestamp of balance information
    Account:
      type: object
      properties:
        accountId:
          type: string
          description: Unique account identifier
        accountNumber:
          type: string
          description: Masked account number
        accountType:
          type: string
          enum:
          - CHECKING
          - SAVINGS
          - MONEY_MARKET
          - CERTIFICATE_OF_DEPOSIT
          description: Type of deposit account
        accountName:
          type: string
          description: Account nickname or display name
        routingNumber:
          type: string
          description: ABA routing number
        status:
          type: string
          enum:
          - ACTIVE
          - INACTIVE
          - CLOSED
          description: Current account status
        currency:
          type: string
          default: USD
          description: Account currency code
        openedDate:
          type: string
          format: date
          description: Date the account was opened
    AccountListResponse:
      type: object
      properties:
        accounts:
          type: array
          items:
            $ref: '#/components/schemas/Account'
        totalCount:
          type: integer
          description: Total number of accounts
  securitySchemes:
    OAuth2:
      type: oauth2
      flows:
        authorizationCode:
          authorizationUrl: https://api.truist.com/oauth2/authorize
          tokenUrl: https://api.truist.com/oauth2/token
          scopes:
            accounts:read: Read access to account information