Customers Bank website screenshot

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 10 APIs on the APIs.io network, including Accounts API, ACH API, Consumer Lending API, and 7 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.

Customers Bank’s developer surface includes documentation, getting-started guide, API reference, authentication, changelog, sandbox, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub
47.7/100 developing ▬ flat Agent 80/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
10 APIs 1 MCP Servers
Financial ServicesBankingUnited StatesBanking-as-a-ServiceEmbedded FinancePaymentsCommercial Banking

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 47.7/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 80/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/customers-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Customers Bank Accounts API

First-party embedded-banking Accounts API for listing accounts, retrieving account and subaccount detail, searching transactions, managing tags and account entitlements, and dow...

Customers Bank ACH API

ACH payment origination and management API for the Customers Bank embedded-banking platform. OpenAPI 3.0.1, OAuth2 client-credentials.

Customers Bank Consumer Lending API

Consumer Lending API for creating and searching loan applications, retrieving program (policy) details, and originating, funding, completing and cancelling loans. OpenAPI 3.0.1,...

Customers Bank Instant Payments API

Instant Payments API for real-time payment origination and management on the Customers Bank platform. OpenAPI 3.0.1, OAuth2 client-credentials.

Customers Bank IT Operations API

IT Operations / reference-data API providing bank lookups (ABA, BIC), correspondent (SSI) instructions across payment rails, and WebPubSub client access. OpenAPI 3.0.1, OAuth2 c...

Customers Bank Partners API

Partner-administration API for managing partners, users, customers, messages, API credentials and client credentials (M2M application registration) on the embedded-banking platf...

Customers Bank Security API

OAuth2 token/security API. Issues bearer access tokens via the client-credentials grant for machine-to-machine access to all Customers Bank embedded-banking APIs. OpenAPI 3.0.1.

Customers Bank Transfers API

Transfers API covering book transfers, address-book payee management and approvals, account-link settings, instant-transfer approvals, and account entitlements. OpenAPI 3.0.1, O...

Customers Bank Webhooks API

Webhooks API for subscribing to platform event types, delivering signed event payloads (HMAC signature validation), and managing webhook IP allowlists. OpenAPI 3.0.1, OAuth2 cli...

Customers Bank Wires API

Wires API (v2) for originating and managing incoming and outgoing wire transfers, retrieving purpose and reference-data codes, and managing wire account entitlements. OpenAPI 3....

Scroll for all 10

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

customers-bank-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Customers Bank Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Customers Bank Authentication

oauth2/http-bearer/hmac · 3 schemes

SECURITY

Customers Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Customers Bank Agentic Access

211 operations · 84 acting · 4 human-in-the-loop

211 operations · 84 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCP
MCP
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 DataModel
DataModel

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk
ToolCrosswalk
 GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

ChangeLog
ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: customers-bank
url: https://raw.githubusercontent.com/api-evangelist/customers-bank/refs/heads/main/apis.yml
name: Customers Bank
kind: company
description: 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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Banking-as-a-Service
- Embedded Finance
- Payments
- Commercial Banking
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: customers-bank:customers-bank-accounts-api
  name: Customers Bank Accounts API
  description: First-party embedded-banking Accounts API for listing accounts, retrieving account and subaccount detail, searching
    transactions, managing tags and account entitlements, and downloading account data. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/accounts-3
  baseURL: https://cubi-sandbox-api.customersbank.com/accounts/v1
  tags:
  - Accounts
  - Subaccounts
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-accounts-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/accounts-3
  - type: APIReference
    url: https://cubiapi.readme.io/reference/get
  - type: Overlay
    url: overlays/customers-bank-accounts-overlay.yaml
- aid: customers-bank:customers-bank-ach-api
  name: Customers Bank ACH API
  description: ACH payment origination and management API for the Customers Bank embedded-banking platform. OpenAPI 3.0.1,
    OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/reference
  baseURL: https://cubi-sandbox-api.customersbank.com/ach/v1
  tags:
  - ACH
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-ach-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/getting-started
  - type: APIReference
    url: https://cubiapi.readme.io/reference
  - type: Overlay
    url: overlays/customers-bank-ach-overlay.yaml
- aid: customers-bank:customers-bank-consumer-lending-api
  name: Customers Bank Consumer Lending API
  description: Consumer Lending API for creating and searching loan applications, retrieving program (policy) details, and
    originating, funding, completing and cancelling loans. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/loan-application
  baseURL: https://cubi-sandbox-api.customersbank.com/consumerlending/v1
  tags:
  - Consumer Lending
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-consumerlending-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/loan-application
  - type: APIReference
    url: https://cubiapi.readme.io/reference/post-application
  - type: Overlay
    url: overlays/customers-bank-consumerlending-overlay.yaml
- aid: customers-bank:customers-bank-instant-payments-api
  name: Customers Bank Instant Payments API
  description: Instant Payments API for real-time payment origination and management on the Customers Bank platform. OpenAPI
    3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/reference
  baseURL: https://cubi-sandbox-api.customersbank.com/InstantPayments/v1
  tags:
  - Instant Payments
  - Real-Time Payments
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-instantpayments-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/getting-started
  - type: APIReference
    url: https://cubiapi.readme.io/reference
  - type: Overlay
    url: overlays/customers-bank-instantpayments-overlay.yaml
- aid: customers-bank:customers-bank-it-operations-api
  name: Customers Bank IT Operations API
  description: IT Operations / reference-data API providing bank lookups (ABA, BIC), correspondent (SSI) instructions across
    payment rails, and WebPubSub client access. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/reference
  baseURL: https://cubi-sandbox-api.customersbank.com/itoperations/v1
  tags:
  - Reference Data
  - Bank Lookup
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-itoperations-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/getting-started
  - type: APIReference
    url: https://cubiapi.readme.io/reference/get-banks-1
  - type: Overlay
    url: overlays/customers-bank-itoperations-overlay.yaml
- aid: customers-bank:customers-bank-partners-api
  name: Customers Bank Partners API
  description: Partner-administration API for managing partners, users, customers, messages, API credentials and client credentials
    (M2M application registration) on the embedded-banking platform. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/partners-1
  baseURL: https://cubi-sandbox-api.customersbank.com/partners/v1
  tags:
  - Partners
  - Users
  - Credentials
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-partners-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/partners-1
  - type: APIReference
    url: https://cubiapi.readme.io/reference/post-customers
  - type: Overlay
    url: overlays/customers-bank-partners-overlay.yaml
- aid: customers-bank:customers-bank-security-api
  name: Customers Bank Security API
  description: OAuth2 token/security API. Issues bearer access tokens via the client-credentials grant for machine-to-machine
    access to all Customers Bank embedded-banking APIs. OpenAPI 3.0.1.
  humanURL: https://cubiapi.readme.io/docs/authenticate-1
  baseURL: https://cubi-sandbox-api.customersbank.com/security/v1
  tags:
  - Security
  - OAuth2
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-security-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/authenticate-1
  - type: APIReference
    url: https://cubiapi.readme.io/reference/post-oauth2-token
  - type: Overlay
    url: overlays/customers-bank-security-overlay.yaml
- aid: customers-bank:customers-bank-transfers-api
  name: Customers Bank Transfers API
  description: Transfers API covering book transfers, address-book payee management and approvals, account-link settings,
    instant-transfer approvals, and account entitlements. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/book-transfers
  baseURL: https://cubi-sandbox-api.customersbank.com/transfers/v1
  tags:
  - Transfers
  - Address Book
  - Entitlements
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-transfers-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/book-transfers
  - type: APIReference
    url: https://cubiapi.readme.io/reference/get-addressbook-entries
  - type: Overlay
    url: overlays/customers-bank-transfers-overlay.yaml
- aid: customers-bank:customers-bank-webhooks-api
  name: Customers Bank Webhooks API
  description: Webhooks API for subscribing to platform event types, delivering signed event payloads (HMAC signature validation),
    and managing webhook IP allowlists. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/webhooks-1
  baseURL: https://cubi-sandbox-api.customersbank.com/webhooks/v1
  tags:
  - Webhooks
  - Events
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-webhooks-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/webhooks-1
  - type: APIReference
    url: https://cubiapi.readme.io/reference
  - type: Overlay
    url: overlays/customers-bank-webhooks-overlay.yaml
- aid: customers-bank:customers-bank-wires-api
  name: Customers Bank Wires API
  description: Wires API (v2) for originating and managing incoming and outgoing wire transfers, retrieving purpose and reference-data
    codes, and managing wire account entitlements. OpenAPI 3.0.1, OAuth2 client-credentials.
  humanURL: https://cubiapi.readme.io/docs/outgoing-wires
  baseURL: https://cubi-sandbox-api.customersbank.com/Wires/v2
  tags:
  - Wires
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/customers-bank-wires-openapi.json
  - type: Documentation
    url: https://cubiapi.readme.io/docs/outgoing-wires
  - type: APIReference
    url: https://cubiapi.readme.io/reference
  - type: Overlay
    url: overlays/customers-bank-wires-overlay.yaml
common:
- type: AgenticAccess
  url: agentic-access/customers-bank-agentic-access.yml
- type: DomainSecurity
  url: security/customers-bank-domain-security.yml
- type: Website
  url: https://www.customersbank.com
- type: DeveloperPortal
  url: https://cubiapi.readme.io
- type: Documentation
  url: https://cubiapi.readme.io/docs/getting-started
- type: MCP
  url: https://cubiapi.readme.io/mcp
- type: MCPServer
  url: mcp/customers-bank-mcp.yml
- type: ToolCrosswalk
  url: mcp/customers-bank-tool-crosswalk.yml
- type: GitHubOrganization
  url: https://github.com/CustomersBank
- type: LinkedIn
  url: https://www.linkedin.com/company/customers-bank
- type: GettingStarted
  url: https://cubiapi.readme.io/docs/getting-started
- type: APIReference
  url: https://cubiapi.readme.io/reference
- type: Authentication
  url: authentication/customers-bank-authentication.yml
- type: Conventions
  url: conventions/customers-bank-conventions.yml
- type: Idempotency
  url: conventions/customers-bank-conventions.yml
- type: ErrorCatalog
  url: errors/customers-bank-problem-types.yml
- type: Conformance
  url: conformance/customers-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/customers-bank-lifecycle.yml
- type: ChangeLog
  url: changelog/customers-bank-changelog.yml
- type: Sandbox
  url: sandbox/customers-bank-sandbox.yml
- type: Webhooks
  url: asyncapi/customers-bank-webhooks.yml
- type: DataModel
  url: data-model/customers-bank-data-model.yml
- type: LLMsTxt
  url: llms/customers-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: PrivacyPolicy
  url: https://www.customersbank.com/privacy-policy/
- type: TermsOfService
  url: https://www.customersbank.com/terms-of-use/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com