Fifth Third Bancorp is a diversified super-regional financial services company providing commercial banking, branch banking, consumer lending, and wealth and asset management services across multiple U.S. states. Its embedded-finance arm, Newline by Fifth Third (built on the 2023 Rize Money acquisition), operates a documented, API-first Banking-as-a-Service platform: the Newline Platform API exposes payments (ACH, wire, Real-Time Payments/RTP, book transfers), FDIC-insured deposit and custodial accounts, synthetic accounts, virtual reference numbers, card issuing, customer/KYC onboarding, transactions, returns, and webhook/message-queue notifications so fintechs and enterprises can embed financial products directly with Fifth Third Bank.
Fifth Third Bancorp publishes 13 APIs on the APIs.io network, including Newline Auth API, Newline Customers API, Newline Customer Products API, and 10 more. Tagged areas include Banking, United States, Embedded Finance, Banking as a Service, and Payments.
The Fifth Third Bancorp catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Fifth Third Bancorp’s developer surface includes authentication, documentation, changelog, sandbox, getting-started guide, and 29 more developer resources.
Authentication for the Newline by Fifth Third platform. A client exchanges a refresh token for an access token by POSTing a JWS whose payload carries the Program UID (sub) and c...
Create, list, retrieve, update, and archive the Customers who hold accounts on a Newline program. Handles personally identifiable information (PII), Tax Identifier/SSN capture a...
Onboard Customers onto Newline banking Products and manage the resulting Customer Product records. Submitting a Customer Product confirms the Customer is ready for account openi...
List and retrieve the banking Products configured for a Newline program, including each Product's configuration, availability, required Customer Profile fields, and associated m...
List and retrieve Pools, the constructs that group Synthetic and Custodial Accounts and report aggregate asset balances across the accounts associated with them. Pools give prog...
Retrieve the FDIC-insured Custodial Accounts held by Fifth Third Bank on behalf of onboarded Customers, including active and archived accounts, their balances, and daily closing...
Create and manage Synthetic Accounts, the ledger accounts that route money through Newline. Includes liability accounts in the general category and external accounts in the ach_...
Initiate, list, retrieve, and cancel Transfers that move assets between Synthetic Accounts across payment rails — ACH, wire, Real-Time Payments (RTP), and internal book transfer...
Orchestrate Combined Transfers, which bundle multiple related money movements into a single coordinated operation across a program's Synthetic Accounts. Provides endpoints to cr...
List and retrieve Transactions and their Transaction Events, and approve or deny pending Transactions before execution. Transaction Events expose the individual steps required t...
Create, list, and retrieve Returns — the reversal of settled payments such as ACH returns — on the Newline platform. Returns move funds back across the originating rail and upda...
Create and manage Virtual Reference Numbers (VRNs), the unique account and routing number pairs that let a program receive inbound ACH, wire, and Real-Time Payments and attribut...
Simulation endpoints for the Newline sandbox environment that let developers mock transactions and transfers, exercise error scenarios, and clear sandbox state while building ag...
aid: fifth-third-bancorp
name: Fifth Third Bancorp
kind: company
description: 'Fifth Third Bancorp is a diversified super-regional financial services company providing commercial banking,
branch banking, consumer lending, and wealth and asset management services across multiple U.S. states. Its embedded-finance
arm, Newline by Fifth Third (built on the 2023 Rize Money acquisition), operates a documented, API-first Banking-as-a-Service
platform: the Newline Platform API exposes payments (ACH, wire, Real-Time Payments/RTP, book transfers), FDIC-insured deposit
and custodial accounts, synthetic accounts, virtual reference numbers, card issuing, customer/KYC onboarding, transactions,
returns, and webhook/message-queue notifications so fintechs and enterprises can embed financial products directly with
Fifth Third Bank.'
type: Index
accessModel:
pricing: partner
onboarding: contact-sales
trial: true
try_now: false
public: true
label: Sandbox available · Partner onboarding
confidence: high
source:
- developer-portal
- openapi
- authentication
generated: '2026-07-23'
method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fifth-third-bancorp.png
tags:
- Banking
- United States
- Embedded Finance
- Banking as a Service
- Payments
- ACH
- Real-Time Payments
- Deposits
- Card Issuing
- Commercial Banking
- Consumer Lending
- Wealth Management
- Treasury Management
- Super-Regional Bank
- Fortune 500
url: https://raw.githubusercontent.com/api-evangelist/fifth-third-bancorp/refs/heads/main/apis.yml
created: '2026-03-21'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: fifth-third-bancorp:newline-auth-api
name: Newline Auth API
description: Authentication for the Newline by Fifth Third platform. A client exchanges a refresh token for an access token
by POSTing a JWS whose payload carries the Program UID (sub) and current epoch time (iat), signed with a previously shared
HMAC using HS512. The returned access token (prefixed auth-) is valid for up to 8 hours and is supplied in the Authorization
header of every subsequent request.
humanURL: https://developers.newline53.com/reference/auth
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Authentication
- JWT
- HMAC
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: Documentation
url: https://developers.newline53.com/docs/api-authentication
- type: APIReference
url: https://developers.newline53.com/reference/post_auth
- aid: fifth-third-bancorp:newline-customers-api
name: Newline Customers API
description: Create, list, retrieve, update, and archive the Customers who hold accounts on a Newline program. Handles personally
identifiable information (PII), Tax Identifier/SSN capture and validation, customer types (primary and others), customer
statuses, and triggers the KYC/AML evaluation lifecycle that Fifth Third runs when a Customer is onboarded to a product.
humanURL: https://developers.newline53.com/reference/customers
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Customers
- KYC
- Onboarding
- Compliance
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/customers
- type: Documentation
url: https://developers.newline53.com/reference/overview-of-customer-types
- aid: fifth-third-bancorp:newline-customer-products-api
name: Newline Customer Products API
description: Onboard Customers onto Newline banking Products and manage the resulting Customer Product records. Submitting
a Customer Product confirms the Customer is ready for account opening, locks their PII, and initiates the billable KYC/AML
verification and account-opening workflow with Fifth Third Bank. Includes listing, retrieval, and customer-product status
tracking.
humanURL: https://developers.newline53.com/reference/customer-products
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Customer Products
- Onboarding
- Account Opening
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/customer-products
- type: Documentation
url: https://developers.newline53.com/reference/customer-product-statuses
- aid: fifth-third-bancorp:newline-products-api
name: Newline Products API
description: List and retrieve the banking Products configured for a Newline program, including each Product's configuration,
availability, required Customer Profile fields, and associated metadata. Products define the deposit, payment, and card
offerings a Customer can be onboarded onto within the Fifth Third embedded-finance network.
humanURL: https://developers.newline53.com/reference/products
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Products
- Deposits
- Configuration
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/products
- aid: fifth-third-bancorp:newline-pools-api
name: Newline Pools API
description: List and retrieve Pools, the constructs that group Synthetic and Custodial Accounts and report aggregate asset
balances across the accounts associated with them. Pools give program operators a roll-up view of funds held at Fifth
Third Bank across a set of end-customer accounts.
humanURL: https://developers.newline53.com/reference/pools
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Pools
- Balances
- Deposits
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/pools
- aid: fifth-third-bancorp:newline-custodial-accounts-api
name: Newline Custodial Accounts API
description: Retrieve the FDIC-insured Custodial Accounts held by Fifth Third Bank on behalf of onboarded Customers, including
active and archived accounts, their balances, and daily closing balances. Provides list and single-record endpoints for
both accounts and their closing-balance history to support reconciliation and reporting.
humanURL: https://developers.newline53.com/reference/custodial-accounts
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Custodial Accounts
- Deposits
- FDIC
- Reconciliation
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/custodial-accounts
- type: Documentation
url: https://developers.newline53.com/reference/custodial-account-statuses
- aid: fifth-third-bancorp:newline-synthetic-accounts-api
name: Newline Synthetic Accounts API
description: Create and manage Synthetic Accounts, the ledger accounts that route money through Newline. Includes liability
accounts in the general category and external accounts in the ach_external, wire_external, and instant_payment_external
categories that represent the counterparties for ACH, wire, and Real-Time Payments transfers. Nine operations cover creation,
listing, retrieval, updates, and account-category and status handling.
humanURL: https://developers.newline53.com/reference/synthetic-accounts
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Synthetic Accounts
- Ledger
- Payments
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/synthetic-accounts
- type: Documentation
url: https://developers.newline53.com/reference/synthetic-account-categories
- aid: fifth-third-bancorp:newline-transfers-api
name: Newline Transfers API
description: Initiate, list, retrieve, and cancel Transfers that move assets between Synthetic Accounts across payment rails
— ACH, wire, Real-Time Payments (RTP), and internal book transfers. Balance and access checks run before a Transfer is
initiated, and Transfers can be canceled only while queued or pending. This is the core money-movement endpoint of the
Newline platform.
humanURL: https://developers.newline53.com/reference/transfers
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Transfers
- Payments
- ACH
- Wire
- Real-Time Payments
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/transfers
- type: Documentation
url: https://developers.newline53.com/reference/transfer-statuses
- aid: fifth-third-bancorp:newline-combined-transfers-api
name: Newline Combined Transfers API
description: Orchestrate Combined Transfers, which bundle multiple related money movements into a single coordinated operation
across a program's Synthetic Accounts. Provides endpoints to create, list, and retrieve combined transfer requests for
multi-leg payment flows on the Fifth Third embedded-finance rails.
humanURL: https://developers.newline53.com/reference/combined-transfers
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Combined Transfers
- Payments
- Orchestration
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/combined-transfers
- aid: fifth-third-bancorp:newline-transactions-api
name: Newline Transactions API
description: List and retrieve Transactions and their Transaction Events, and approve or deny pending Transactions before
execution. Transaction Events expose the individual steps required to complete a Transaction so operators can track progress
and review history. Nine operations cover transaction listing, detail, authorization, and event tracking for reconciliation
and monitoring.
humanURL: https://developers.newline53.com/reference/transactions
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Transactions
- Reconciliation
- Monitoring
- Authorization
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/transactions
- type: Documentation
url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
- aid: fifth-third-bancorp:newline-returns-api
name: Newline Returns API
description: Create, list, and retrieve Returns — the reversal of settled payments such as ACH returns — on the Newline
platform. Returns move funds back across the originating rail and update the associated Transfer and Transaction records,
supporting exception handling in embedded payment programs at Fifth Third Bank.
humanURL: https://developers.newline53.com/reference/returns
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Returns
- ACH
- Payments
- Exceptions
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/returns
- aid: fifth-third-bancorp:newline-virtual-reference-numbers-api
name: Newline Virtual Reference Numbers API
description: Create and manage Virtual Reference Numbers (VRNs), the unique account and routing number pairs that let a
program receive inbound ACH, wire, and Real-Time Payments and attribute them to a specific Synthetic Account or Customer.
Seven operations cover VRN creation, listing, retrieval, updates, and status management for inbound money attribution.
humanURL: https://developers.newline53.com/reference/virtual-reference-numbers
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Virtual Reference Numbers
- Inbound Payments
- Payments
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/virtual-reference-numbers
- type: Documentation
url: https://developers.newline53.com/reference/virtual-reference-number-statuses
- aid: fifth-third-bancorp:newline-sandbox-api
name: Newline Sandbox API
description: Simulation endpoints for the Newline sandbox environment that let developers mock transactions and transfers,
exercise error scenarios, and clear sandbox state while building against the platform. The sandbox uses the same JWT authentication
strategy as production so integrations can be validated end to end before go-live with Fifth Third Bank.
humanURL: https://developers.newline53.com/reference/sandbox
baseURL: https://sandbox.newline53.com/api/v1
tags:
- Sandbox
- Testing
- Simulation
- United States
properties:
- type: OpenAPI
url: openapi/newline-platform-api.json
- type: APIReference
url: https://developers.newline53.com/reference/sandbox
- type: Documentation
url: https://developers.newline53.com/docs/sandbox-walkthrough
common:
- type: AgenticAccess
url: agentic-access/fifth-third-bancorp-agentic-access.yml
- type: Authentication
url: authentication/fifth-third-bancorp-authentication.yml
- type: Website
url: https://www.53.com/
- type: DeveloperPortal
url: https://developers.newline53.com/
- type: Documentation
url: https://developers.newline53.com/docs/welcome
- type: OpenAPI
url: https://developers.newline53.com/openapi/newline-platform-api.json
- type: PostmanCollection
url: https://www.postman.com/newline53
- type: GitHubOrganization
url: https://github.com/newline53
- type: StatusPage
url: https://status.newline53.com
- type: Changelog
url: https://developers.newline53.com/changelog
- type: PrivacyPolicy
url: https://www.53.com/content/fifth-third/en/privacy-security.html
- type: LinkedIn
url: https://www.linkedin.com/company/fifth-third-bank
- type: InvestorRelations
url: https://ir.53.com/
- type: TreasuryManagement
url: https://www.53.com/content/fifth-third/en/commercial-banking/payments-and-treasury-management.html
- type: EmbeddedFinance
url: https://newline53.com/
- type: DomainSecurity
url: security/fifth-third-bancorp-domain-security.yml
- type: MCPServer
url: mcp/fifth-third-bancorp-mcp.yml
- type: ToolCrosswalk
url: mcp/fifth-third-bancorp-tool-crosswalk.yml
- type: Packages
url: packages/fifth-third-bancorp-packages.yml
- type: SDKs
url: packages/fifth-third-bancorp-packages.yml
- type: AgentSkill
url: skills/_index.yml
- type: Webhooks
url: asyncapi/fifth-third-bancorp-newline-webhooks.yml
- type: LLMsTxt
url: llms/fifth-third-bancorp-llms.txt
- type: Overlay
url: overlays/fifth-third-bancorp-newline-platform-overlay.yaml
- type: Conformance
url: conformance/fifth-third-bancorp-conformance.yml
- type: ErrorCatalog
url: errors/fifth-third-bancorp-problem-types.yml
- type: DeclineCodes
url: errors/fifth-third-bancorp-decline-codes.yml
- type: Lifecycle
url: lifecycle/fifth-third-bancorp-lifecycle.yml
- type: Conventions
url: conventions/fifth-third-bancorp-conventions.yml
- type: ChangeLog
url: changelog/fifth-third-bancorp-changelog.yml
- type: Sandbox
url: sandbox/fifth-third-bancorp-sandbox.yml
- type: DataModel
url: data-model/fifth-third-bancorp-data-model.yml
- type: GettingStarted
url: https://developers.newline53.com/docs/quickstart-guide-completing-a-transfer
- type: TermsOfService
url: https://developers.newline53.com/docs/terms-conditions
integrations:
- name: Fifth Third Bank
- name: Newline by Fifth Third
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
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