Truist Financial Commercial Accounts API

openapi: 3.2.0
info:
  title: Truist Commercial Account Transactions Accounts Commercial Accounts API
  description: Enables programmatic retrieval of commercial account transaction data including ACH credits and debits, wire transfers, checks, and other payment types. Supports ERP integrations, cash flow reconciliation, and automated accounting workflows.
  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.transactions:read: Read access to commercial transaction data