Truist Financial Commercial Accounts API

openapi: 3.2.0
info:
  title: Truist Commercial Accounts API
  description: Provides programmatic access to commercial deposit account information, including account balances, account details, and account summary data for commercial and corporate clients. Supports treasury management integrations and ERP connectivity.
  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: Commercial Accounts
  description: Commercial banking account operations
paths:
  /commercial/accounts:
    get:
      operationId: listCommercialAccounts
      summary: List Commercial Accounts
      description: Retrieve a list of commercial deposit accounts for the authenticated organization.
      tags:
      - Commercial Accounts
      security:
      - OAuth2:
        - commercial.accounts:read
      parameters:
      - name: customerId
        in: query
        required: false
        schema:
          type: string
        description: Filter accounts by customer/organization identifier
      - name: accountType
        in: query
        required: false
        schema:
          type: string
          enum:
          - CHECKING
          - SAVINGS
          - MONEY_MARKET
          - SWEEP
        description: Filter by account type
      responses:
        '200':
          description: Commercial accounts retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CommercialAccountListResponse'
        '401':
          description: Unauthorized
        '403':
          description: Forbidden
  /commercial/accounts/{accountId}:
    get:
      operationId: getCommercialAccount
      summary: Get Commercial Account
      description: Retrieve details for a specific commercial deposit account.
      tags:
      - Commercial Accounts
      security:
      - OAuth2:
        - commercial.accounts:read
      parameters:
      - name: accountId
        in: path
        required: true
        schema:
          type: string
        description: Unique account identifier
      responses:
        '200':
          description: Commercial account retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CommercialAccount'
        '401':
          description: Unauthorized
        '404':
          description: Account not found
  /commercial/accounts/{accountId}/balances:
    get:
      operationId: getCommercialAccountBalances
      summary: Get Commercial Account Balances
      description: Retrieve current and available balances for a commercial deposit account, including collected and uncollected balances.
      tags:
      - Commercial Accounts
      security:
      - OAuth2:
        - commercial.accounts:read
      parameters:
      - name: accountId
        in: path
        required: true
        schema:
          type: string
        description: Unique account identifier
      - name: asOfDate
        in: query
        required: false
        schema:
          type: string
          format: date
        description: Balance as of date (defaults to current day)
      responses:
        '200':
          description: Commercial account balances retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CommercialAccountBalances'
        '401':
          description: Unauthorized
        '404':
          description: Account not found
  /commercial/accounts/summary:
    get:
      operationId: getCommercialAccountSummary
      summary: Get Commercial Account Summary
      description: Retrieve a consolidated balance summary across all commercial accounts for the organization.
      tags:
      - Commercial Accounts
      security:
      - OAuth2:
        - commercial.accounts:read
      parameters:
      - name: customerId
        in: query
        required: false
        schema:
          type: string
        description: Customer/organization identifier
      - name: currency
        in: query
        required: false
        schema:
          type: string
          default: USD
        description: Currency for balance aggregation
      responses:
        '200':
          description: Account summary retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CommercialAccountSummary'
        '401':
          description: Unauthorized
components:
  schemas:
    CommercialAccount:
      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
          - SWEEP
        accountName:
          type: string
          description: Account name or description
        routingNumber:
          type: string
          description: ABA routing number
        status:
          type: string
          enum:
          - ACTIVE
          - INACTIVE
          - CLOSED
        currency:
          type: string
          default: USD
        openedDate:
          type: string
          format: date
        customerId:
          type: string
          description: Associated customer/organization identifier
    CommercialAccountSummary:
      type: object
      properties:
        customerId:
          type: string
        totalLedgerBalance:
          type: number
          format: double
        totalAvailableBalance:
          type: number
          format: double
        accountCount:
          type: integer
        currency:
          type: string
          default: USD
        asOfDateTime:
          type: string
          format: date-time
    CommercialAccountBalances:
      type: object
      properties:
        accountId:
          type: string
        ledgerBalance:
          type: number
          format: double
          description: Total ledger balance
        availableBalance:
          type: number
          format: double
          description: Available balance for disbursements
        collectedBalance:
          type: number
          format: double
          description: Collected (cleared) balance
        uncollectedBalance:
          type: number
          format: double
          description: Float/uncollected funds
        oneDayFloat:
          type: number
          format: double
          description: One-day float amount
        twoDayFloat:
          type: number
          format: double
          description: Two-day float amount
        currency:
          type: string
          default: USD
        asOfDateTime:
          type: string
          format: date-time
    CommercialAccountListResponse:
      type: object
      properties:
        accounts:
          type: array
          items:
            $ref: '#/components/schemas/CommercialAccount'
        totalCount:
          type: integer
  securitySchemes:
    OAuth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api.truist.com/oauth2/token
          scopes:
            commercial.accounts:read: Read access to commercial account information