Customers Bank
Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial bank and the principal subsidiary of Customers Bancorp, Inc. (NYSE CUBI), a super-regional bank holding company with roughly $22 billion in assets headquartered in West Reading, Pennsylvania. Beyond traditional commercial and consumer banking it operates a national embedded-banking / Banking-as-a-Service platform, exposing a first-party, OAuth2-secured REST API surface (accounts, ACH, wires, instant payments, book transfers, consumer lending, plus partner, IT-operations and webhook management) to fintech and corporate partners through a public ReadMe developer portal at cubiapi.readme.io, complete with a hosted Model Context Protocol (MCP) server for AI agents. This is proprietary, partner-gated integration infrastructure rather than an FDX or CFPB Section 1033 consumer-permissioned data-sharing API; no FDX-conformant or Section 1033 data-access endpoint is publicly documented, and the surface is a sandbox-first partner API secured by OAuth2 client-credentials with HMAC-signed webhooks.
Customers Bank publishes 38 API contracts indexed on the APIs.io network, including Account Control Type API, Account Entitlements API, Accounts API, and 35 more. Tagged areas include Financial Services, Banking, United States, Banking as a Service, and Embedded Finance.
The Customers Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.
Customers Bank’s developer surface includes documentation, getting-started guide, API reference, authentication, changelog, sandbox, and 32 more developer resources.
What this lets a business do 5
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | regulated | 38.3 (thin) | - | - |
| US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions) | regulated | 38.3 (thin) | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 3
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 38
Individual APIs this provider publishes, each with its own machine-readable definition.
Customers Bank Account Control Type API
Allows for querying and managing of the Control Type (Dual or Single) on various accounts within the system
Customers Bank Account Entitlements API
The AccountEntitlements API from Customers Bank — 2 operation(s) for accountentitlements.
Customers Bank Accounts API
The Accounts API from Customers Bank — 5 operation(s) for accounts.
Customers Bank Authenticate API
Provides endpoints to enable authentication to the Cubi api's
Customers Bank Banks API
The Banks API from Customers Bank — 6 operation(s) for banks.
Customers Bank Book Transfer Search API
The BookTransferSearch API from Customers Bank — 2 operation(s) for booktransfersearch.
Customers Bank Correspondent Instructions API
The CorrespondentInstructions API from Customers Bank — 2 operation(s) for correspondentinstructions.
Customers Bank Customers API
The Customers API from Customers Bank — 2 operation(s) for customers.
Customers Bank Event History API
The EventHistory API from Customers Bank — 4 operation(s) for eventhistory.
Customers Bank Home Realm Discovery API
The HomeRealmDiscovery API from Customers Bank — 2 operation(s) for homerealmdiscovery.
Customers Bank Incoming Ach API
Allow for querying and management of incoming ACH payments
Customers Bank Incoming Payments API
The IncomingPayments API from Customers Bank — 8 operation(s) for incomingpayments.
Customers Bank Incoming Wires V API
The IncomingWiresV API from Customers Bank — 3 operation(s) for incomingwiresv.
Customers Bank Interest Payments API
The InterestPayments API from Customers Bank — 2 operation(s) for interestpayments.
Customers Bank Loan API
The Loan API from Customers Bank — 6 operation(s) for loan.
Customers Bank Loan Application API
The LoanApplication API from Customers Bank — 2 operation(s) for loanapplication.
Customers Bank Messages API
The Messages API from Customers Bank — 2 operation(s) for messages.
Customers Bank Non Admin API
The NonAdmin API from Customers Bank — 4 operation(s) for nonadmin.
Customers Bank Notification Email API
The NotificationEmail API from Customers Bank — 3 operation(s) for notificationemail.
Customers Bank Outgoing Ach API
Allows for querying and management of outgoing ACH payments
Customers Bank Outgoing Payments API
The OutgoingPayments API from Customers Bank — 15 operation(s) for outgoingpayments.
Customers Bank Outgoing Wires V API
The OutgoingWiresV API from Customers Bank — 7 operation(s) for outgoingwiresv.
Customers Bank Partner Program API
Allows for the querying of ACH partner programs available for use within the system. Partner programs are used when sending a payment in order to specify pre-built configuration...
Customers Bank Partners API
The Partners API from Customers Bank — 4 operation(s) for partners.
Customers Bank Search Incoming Wires V API
The SearchIncomingWiresV API from Customers Bank — 1 operation(s) for searchincomingwiresv.
Customers Bank Search Outgoing Wires V API
The SearchOutgoingWiresV API from Customers Bank — 1 operation(s) for searchoutgoingwiresv.
Customers Bank Subaccounts API
The Subaccounts API from Customers Bank — 5 operation(s) for subaccounts.
Customers Bank Tags API
The Tags API from Customers Bank — 2 operation(s) for tags.
Customers Bank Users API
The Users API from Customers Bank — 6 operation(s) for users.
Customers Bank Webhooks API
The Webhooks API from Customers Bank — 8 operation(s) for webhooks.
Customers Bank Account Access API
The Account Access API from Customers Bank — 8 operation(s) for account access.
Customers Bank Address Book API
The Address Book API from Customers Bank — 15 operation(s) for address book.
Customers Bank Book Transfers API
The Book Transfers API from Customers Bank — 6 operation(s) for book transfers.
Customers Bank Client Credentials API
The Client Credentials API from Customers Bank — 5 operation(s) for client credentials.
Customers Bank Event Types API
The Event Types API from Customers Bank — 2 operation(s) for event types.
Customers Bank Reference Data API
Returns accounts related codes and definitions
Customers Bank User Settings API
The User Settings API from Customers Bank — 1 operation(s) for user settings.
Customers Bank Web Pub Sub API
The Web Pub Sub API from Customers Bank — 1 operation(s) for web pub sub.
Scroll for all 38
Open Collections 10
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Accounts
OPEN COLLECTIONACH
OPEN COLLECTIONConsumerLending
OPEN COLLECTIONInstantPayments
OPEN COLLECTIONIT Operations
OPEN COLLECTIONPartners
OPEN COLLECTIONSecurity
OPEN COLLECTIONTransfers
OPEN COLLECTIONWebhooks
OPEN COLLECTIONWires
OPEN COLLECTIONScroll for all 10
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
Customers Bank MCP Server
MCP SERVERAgent Skills 5
Packaged agent skills for driving this provider's APIs from an AI assistant.
Authenticate and list accounts
AGENT SKILLCreate and approve a book transfer
AGENT SKILLOriginate an ACH payment
AGENT SKILLOriginate a consumer loan
AGENT SKILLSubscribe to webhooks and verify HMAC
AGENT SKILLEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Customers Bank Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Customers Bank API Rules
SPECTRALOpenAPI Overlays 10
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Customers Bank Accounts Overlay
DERIVEDCustomers Bank Ach Overlay
DERIVEDCustomers Bank Partners Overlay
DERIVEDCustomers Bank Security Overlay
DERIVEDCustomers Bank Transfers Overlay
DERIVEDCustomers Bank Webhooks Overlay
DERIVEDCustomers Bank Wires Overlay
DERIVEDScroll for all 10
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 6
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll for all 7
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 11
Properties that don't map to a standard resource type
Scroll for all 11
Source (apis.yml)
Customers Bank API — frequently asked questions
Does Customers Bank have an API?
Yes. APIs.io lists 38 APIs from Customers Bank, including Customers Bank Account Control Type API, Customers Bank Account Entitlements API and Customers Bank Accounts API, and 35 more.
Is there an OpenAPI specification for the Customers Bank API?
Yes. APIs.io indexes 38 OpenAPI specifications for Customers Bank, each linked for download from this page.
How do I authenticate with the Customers Bank API?
Customers Bank uses bearer-token authentication (oauth2/http-bearer/hmac · 3 schemes). The details are profiled on APIs.io as Customers Bank Authentication.
Does Customers Bank have an MCP server?
Yes. APIs.io lists 1 MCP server for Customers Bank.
Is the Customers Bank API ready for AI agents?
Customers Bank has a Kin Score of 43.1 out of 100 (developing) and an Agent Readiness score of 44.7 (agent-native), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.