# Customers Bank

**Canonical:** https://apis.io/providers/customers-bank/  
**Website:** https://www.customersbank.com  
**APIs profiled:** 10

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.

## Kin Score — 42.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 60.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 39.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags).

## Agent readiness — 63.0 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (10)

- **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....

## MCP servers (2)

- **Customers Bank MCP Server**
- **Customers Bank MCP Server** — Customers Bank hosts a remote Model Context Protocol server (the ReadMe generic MCP) that lets AI editors (Cursor, Windsurf, Claude Desktop) browse the API/documentation and exe...

## Agentic access (1)

- **Customers Bank Agentic Access** — 211 operations · 84 acting · 4 human-in-the-loop

## Security (2)

- **Customers Bank Authentication** — oauth2/http-bearer/hmac · 3 schemes
- **Customers Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, United States, Banking as a Service, Embedded Finance, Payments, Commercial Banking

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/customers-bank/). Scores are computed from the provider's own public artifacts under a published rubric.