Fifth Third Bancorp website screenshot

Fifth Third Bancorp

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 Auth API, Combined Transfers API, Custodial Accounts 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 30 more developer resources.

39.7/100 developing ▬ flat Agent 44/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
1 APIs 1 MCP Servers
BankingUnited StatesEmbedded FinanceBanking as a ServicePaymentsACHReal-Time PaymentsDepositsCard IssuingCommercial BankingConsumer LendingWealth ManagementTreasury ManagementSuper-Regional BankFortune 500

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/fifth-third-bancorp: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 13

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

Fifth Third Bancorp Auth API

The Authentication section explains how to securely interact with Newline's API using access tokens and static IP addresses. Learn how to generate and refresh tokens to access p...

Fifth Third Bancorp Combined Transfers API

The Combined Transfers endpoint allows clients to create both a transfer and a counterparty in a single API call. This simplifies the process by eliminating the need to first cr...

Fifth Third Bancorp Custodial Accounts API

Fifth Third Bank holds Custodial Accounts and represents funds managed for Customers. Through these endpoints, you can manage balances and track account statuses. **Endpoints:**...

Fifth Third Bancorp Customer Products API

Customer Products link Customers to financial products. This section outlines how to onboard customers, manage their product relationships, and track statuses. **Endpoints:** - ...

Fifth Third Bancorp Customers API

The Customers section provides details on managing end-user accounts. Learn how to create, update, and archive customer records and onboard them to financial products while meet...

Fifth Third Bancorp Pools API

Pools group multiple Customers for asset sharing and distributed account ownership. Each Pool is unique to a Customer or program. **Endpoints:** - GET [List Pools: GET /pools](h...

Fifth Third Bancorp Products API

Products represent financial services available in your program. Discover onboarding requirements, prerequisites, and detailed product configurations. **Endpoints:** - GET [List...

Fifth Third Bancorp Returns API

The Returns endpoints help initiate, track, and manage returns of received and originated payments. These endpoints are accessible within the Sandbox and Production environments...

Fifth Third Bancorp Sandbox API

The Sandbox section provides tools to test and simulate interactions with the Newline API in a controlled environment. **Endpoints:** - POST [Simulate a Transaction: POST /sandb...

Fifth Third Bancorp Synthetic Accounts API

Synthetic Accounts serve as the foundation for asset tracking in Newline. They allow for flexible configurations tailored to your program. **Endpoints:** - GET [List Synthetic A...

Fifth Third Bancorp Transactions API

Transactions represent asset movements, such as ACH payments, wire transfers, or card purchases. Track transaction statuses and events through these endpoints. **Endpoints:** - ...

Fifth Third Bancorp Transfers API

Transfers facilitate the movement of assets between accounts, enabling transactions such as payments and withdrawals. **Endpoints:** - GET [List Transfers: GET /transfers](https...

Fifth Third Bancorp Virtual Reference Numbers API

VRNs act as aliases for accounts, enabling unique use cases like accounts receivable segmentation or reconciliation. **Endpoints:** - GET [List Virtual Reference Numbers: GET /v...

Scroll for all 13

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Newline Platform API

OPEN COLLECTION

MCP Servers 1

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

Event Specifications 1

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

Security Posture 2

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

Fifth Third Bancorp Authentication

apiKey · 1 scheme

SECURITY

Fifth Third Bancorp Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

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

Fifth Third Bancorp Agentic Access

53 operations · 19 acting

53 operations · 19 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Fifth Third Bancorp Investor Meetings

2026-05-25

Fifth Third and Brex Partner to Bring AI-Powered Finance ...

2026-05-25

Fifth Third Sees 'Pretty Remarkable' AI Ability to Lower Costs

2026-05-25

Financial Information - Quarterly and Annual Reports

2026-05-25

Fifth Third Bank Welcomes Back Art Weston

2026-05-25

Resources

Get Started 3

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Build 6

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 4

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
apis:
- aid: fifth-third-bancorp:fifth-third-bancorp-auth-api
  name: Fifth Third Bancorp Auth API
  description: "The Authentication section explains how to securely interact with Newline's API using access tokens and static\
    \ IP addresses. Learn how to generate and refresh tokens to access protected resources.  \n\n**Endpoints:**\n\n- POST\
    \ [Generate an authentication token: POST /auth](https://developers.newline53.com/reference/post_auth)\n\nNewline requires\
    \ access tokens and static IP addresses for authentication and authorization when requesting any resource endpoints. [POST\
    \ /auth](https://developers.newline53.com/reference/post_auth) is used to obtain and refresh the required access tokens.\
    \ Please work with your Relationship Team or the Newline Team in all environments to set up the IP Allowlist for your\
    \ Program.  \nTo obtain an access token, you must submit a refresh token. After a program is set up, Newline will share\
    \ your Program UID and HMAC key offline. These values are required for the refresh token and access token requests.\n\n\
    ## Auth Flow\n\nThe authentication flow is as follows:\n\n1. Create a JWT using the following claim:\n```\n{\n  \"iat\"\
    : <current Epoch time>,\n  \"sub\": <Program UID>\n}\n ```\n\n1. Sign the JWT to create a JWS with the shared key using\
    \ HS512 / SHA-512.\n\n2. Exchange for an access token by sending a request to [POST /auth](https://developers.newline53.com/reference/post_auth),\
    \ using the JWS in the `Authorization` header.\n\n3. Access resources through other endpoints using the returned token\
    \ in the `Authorization` header for up to 8 hours.\n\n4. Repeat the process as needed to continue authenticating successfully.\n\
    \n> **Note** \n> If a new access token is requested within the 8 hours of a previous token being successfully exchanged,\
    \ the new token will still be generated. This does not expire the last token, and both tokens are usable simultaneously\
    \ until their respective time is up. However, it is encouraged to use the new token and discard the old one if possible,\
    \ as this behavior may change in the future."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-auth-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-combined-transfers-api
  name: Fifth Third Bancorp Combined Transfers API
  description: "The Combined Transfers endpoint allows clients to create both a transfer and a counterparty in a single API\
    \ call. This simplifies the process by eliminating the need to first create an external synthetic account and then reference\
    \ it when initiating a transfer.\n\n## Endpoints:\n\n- GET List Combined Transfers: [GET /combined_transfers](https://developers.newline53.com/reference/get_combined-transfers)\n\
    - POST Create a Combined Transfer: [POST/combined_transfers](https://developers.newline53.com/reference/post_combined-transfers)\n\
    - GET Get a Single Combined Transfer: [GET /combined_transfers/{uid}](https://developers.newline53.com/reference/get_combined-transfers-uid)\n\
    \nTransfers facilitate the movement of assets between accounts, enabling transactions such as payments and withdrawals.\
    \ Combined Transfers work by creating both a synthetic account and a transfer in one API call, streamlining the process\
    \ and reducing the steps required for asset movement.\n\nThe types and distribution of assets, the number of customers,\
    \ and other rules governing the usage of Combined Transfers can be configured for each account on a program-by-program\
    \ basis. This includes setting up the synthetic account types and defining the rules for asset movement between accounts.\n\
    \n## Combined Transfers Statuses:\n\n**Queued:** The combined transfer request has been received and is waiting to be\
    \ processed.  \n**Pending:** The combined transfer is currently being processed.  \n**Failed:** The combined transfer\
    \ could not be completed due to an error.  \n**Completed:** The combined transfer has been successfully completed."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Combined Transfers
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-combined-transfers-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-custodial-accounts-api
  name: Fifth Third Bancorp Custodial Accounts API
  description: "Fifth Third Bank holds Custodial Accounts and represents funds managed for Customers. Through these endpoints,\
    \ you can manage balances and track account statuses.\n\n**Endpoints:**\n\n- GET [List Custodial Accounts: GET /custodial_accounts](https://developers.newline53.com/reference/get_custodial-accounts)\n\
    \    \n- GET [Get a single Custodial Account: GET /custodial_accounts/{uid}](https://developers.newline53.com/reference/get_custodial-accounts-uid)\n\
    \nA Custodial Account is the account held by Fifth Third Bank. Custodial Accounts in a Program can only be created for\
    \ the Service Offerings that have been configured for that Program.\n\nA Customer must successfully complete onboarding\
    \ and pass all KYC/AML checks before their Custodial Accounts can be opened. This endpoint can be used to retrieve the\
    \ accounts (active and archived) and their balances for your Customers. All funds must be emptied from a Custodial Account\
    \ before it can be archived."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Custodial Accounts
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-custodial-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-customer-products-api
  name: Fifth Third Bancorp Customer Products API
  description: "Customer Products link Customers to financial products. This section outlines how to onboard customers, manage\
    \ their product relationships, and track statuses.\n\n**Endpoints:**\n\n- GET [List Customer Products: GET /customer_products](https://developers.newline53.com/reference/get_customer-products)\n\
    \    \n- POST [Onboard a Customer onto a Product: POST /customer_products](https://developers.newline53.com/reference/post_customer-products)\n\
    \    \n- GET [Get a single Customer Product: GET /customer_products/{uid}](https://developers.newline53.com/reference/get_customer-products-uid)\n\
    \nCustomer Product records are generated when a Customer is submitted for onboarding to a specific Product.\n\n## Newline\
    \ preset-Customers\n\nIf the Client is also the Customer, the Customer Product record will be autogenerated during the\
    \ Client's onboarding to our production environment.\n\n## Client-initiated Customers\n\nWhen clients onboard a Customer,\
    \ the Customer must fulfill the prerequisite Product requirements. Newline will then verify that the Product requirements\
    \ have been met.\n\nIf the Product requirements are met, Newline will proceed with account opening and feature enablement\
    \ as specified by the Product. If the product requirements are unmet, Newline will return an error response indicating\
    \ which element of the product validation failed."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Customer Products
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-customer-products-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-customers-api
  name: Fifth Third Bancorp Customers API
  description: "The Customers section provides details on managing end-user accounts. Learn how to create, update, and archive\
    \ customer records and onboard them to financial products while meeting KYC/AML requirements.\n\n**Endpoints:**\n\n- GET\
    \ [List Customers: GET /customers](https://developers.newline53.com/reference/get_customers)\n    \n- POST [Create a new\
    \ Customer: POST /customers](https://developers.newline53.com/reference/post_customers)\n    \n- GET [Get a single Customer:\
    \ GET /customers/{uid}](https://developers.newline53.com/reference/get_customers-uid)\n    \n- PUT [Adjust Customer Data:\
    \ PUT /customers/{uid}](https://developers.newline53.com/reference/put_customers-uid)\n    \n- DELETE [Archive a Customer:\
    \ DELETE /customers/{uid}](https://developers.newline53.com/reference/delete_customers-uid)\n    \nA Customer on the Newline\
    \ Platform is the end user of your application. Customers are unique to each Program, and managing all accounts and identifying\
    \ information is handled on a Program-by-Program basis.  \nThe ability to create new Customers is also a preset condition\
    \ of your Program at Newline. Please see the below sections for more details.\n\n## Newline preset-Customers\n\nIn cases\
    \ where the Client also serves as the Customer (i.e., the Client is both the end-user and the managing entity over any\
    \ financial products), Newline will create Customers upon Program onboarding. Clients will also be precluded from creating\
    \ new Customers.\n\n## Client-initiated Customers\n\n**Customer Onboarding Process for Clients**  \nWhen managing customer\
    \ onboarding, follow the outlined steps and key considerations below.\n\n### Steps for Onboarding Customers:\n\n1. Initial\
    \ Submission:\n\n    1. Submit the external_uid and email using the Customers Endpoint.\n\n2. Provide Personally Identifiable\
    \ Information (PII):\n\n    1. After the initial submission, supply the remaining PII for the customer.\n\n    2. Ensure\
    \ that all required PII fields are complete. Requests with complete or missing fields will be accepted.\n\n3. Edit PII\
    \ (Optional):\n\n    1. PII can be updated until a valid request is sent to onboard the customer to a product using the\
    \ Customer Product Endpoint.\n\n4. Submit Profile Responses:\n\n    1. Provide profile responses to meet the product's\
    \ profile requirements.\n\n    2. Profile Requirements can include data such as:\n\n        1. Risk tolerance\n\n    \
    \    2. Income level\n\n        3. Other product-specific information\n\n5. Verify Profile Requirements:\n\n    1. Use\
    \ the Product Endpoint to access the Profile Requirements and ensure the customer satisfies all prerequisites for onboarding.\n\
    \n6. Initiate Onboarding Request:\n\n    1. Submit a valid onboarding request for the customer using the Customer Products\
    \ Endpoint.\n\n## Additional Considerations:\n\nKYC/AML Verification:\n\n- To join a program, customers must pass Know\
    \ Your Customer (KYC) and Anti-Money Laundering (AML) identity verification as required by Fifth Third Bank.\n\n- KYC_status\
    \ on the customer record will indicate the current state of the KYC/AML workflow.\n\nOnce a valid onboarding request is\
    \ received, Newline initiates KYC/AML verification using the customer's PII.  \n**Verification statuses include:**\n\n\
    - Approved\n\n- Manual Review\n\n- Documents Required\n\n- Denied\n\nNewline will work with clients to define these states.\n\
    \n## Program-Specific Records:\n\n- A new customer record must be created for each program, even if an identical customer\
    \ exists in another program.\n\n- Customer records are not accessible outside of their associated program.\n\n## Customer\
    \ Management Functions:\n\nThe Customers Endpoint can also be used to perform management actions such as:\n\n- Freezing\
    \ or unfreezing a customer\n\n- Archiving a customer"
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-customers-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-pools-api
  name: Fifth Third Bancorp Pools API
  description: "Pools group multiple Customers for asset sharing and distributed account ownership. Each Pool is unique to\
    \ a Customer or program.\n\n**Endpoints:**\n\n- GET [List Pools: GET /pools](https://developers.newline53.com/reference/get_pools)\n\
    \    \n- GET [Get a single Pool: GET /pools/{uid}](https://developers.newline53.com/reference/get_pools-uid)\n\nA pool\
    \ is a construct that Newline uses to associate multiple customers with each other. A Pool is always associated with at\
    \ least one Customer, but all accounts are only ever associated with a single Pool. This enables asset sharing and distributed\
    \ ownership of accounts across multiple Customers.\n\nNewline currently supports single Customer Pools, where **one Customer\
    \ is associated with one Pool and vice versa**. All accounts, transfers, and transactions are related to the Customer's\
    \ Pool, not the Customer. The Pool UID appears on several endpoint responses and may be required by the API in some instances."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Pools
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-pools-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-products-api
  name: Fifth Third Bancorp Products API
  description: "Products represent financial services available in your program. Discover onboarding requirements, prerequisites,\
    \ and detailed product configurations.\n\n**Endpoints:**\n\n- GET [List Products: GET /products](https://developers.newline53.com/reference/get_products)\n\
    \    \n- GET [Get a single Product: GET /products/{uid}](https://developers.newline53.com/reference/get_products-uid)\n\
    \nThe Products endpoint represents the financial products available to your Customers. It exposes the accounts, compliance,\
    \ and Customer Profile Requirements necessary for your Customer to access the Product. For some programs, a customer must\
    \ onboard one product before another product is made available. Newline will work with clients to define the required\
    \ Product onboarding sequence as part of your Program.\n\nUse the Products endpoint to view the Products available to\
    \ your Program and the prerequisite information or actions that must be taken for a Customer to access the Product.\n\n\
    For more information about Newline's products and their utilization, please refer to the [Products Programs](https://developers.newline53.com/docs/product-programs)\
    \ guides."
  humanURL: https://developers.newline53.com/reference/auth
  baseURL: https://sandbox.newline53.com/api/v1
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/fifth-third-bancorp-products-api-openapi.yml
  - type: Documentation
    url: https://developers.newline53.com/docs/api-authentication
  - type: APIReference
    url: https://developers.newline53.com/reference/post_auth
  - type: APIReference
    url: https://developers.newline53.com/reference/customers
  - type: Documentation
    url: https://developers.newline53.com/reference/overview-of-customer-types
  - type: APIReference
    url: https://developers.newline53.com/reference/customer-products
  - type: Documentation
    url: https://developers.newline53.com/reference/customer-product-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/products
  - type: APIReference
    url: https://developers.newline53.com/reference/pools
  - type: APIReference
    url: https://developers.newline53.com/reference/custodial-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/custodial-account-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/synthetic-accounts
  - type: Documentation
    url: https://developers.newline53.com/reference/synthetic-account-categories
  - type: APIReference
    url: https://developers.newline53.com/reference/transfers
  - type: Documentation
    url: https://developers.newline53.com/reference/transfer-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/combined-transfers
  - type: APIReference
    url: https://developers.newline53.com/reference/transactions
  - type: Documentation
    url: https://developers.newline53.com/reference/transaction-statuses-and-transaction-types
  - type: APIReference
    url: https://developers.newline53.com/reference/returns
  - type: APIReference
    url: https://developers.newline53.com/reference/virtual-reference-numbers
  - type: Documentation
    url: https://developers.newline53.com/reference/virtual-reference-number-statuses
  - type: APIReference
    url: https://developers.newline53.com/reference/sandbox
  - type: Documentation
    url: https://developers.newline53.com/docs/sandbox-walkthrough
- aid: fifth-third-bancorp:fifth-third-bancorp-returns-api
  name: Fifth Third Bancorp Returns API
  description: 'The Returns endpoints help initiate, track, and manage returns of received and originated payments. These
    endpoints are accessible within the Sandbox and Production environments.


    **Endpoints:**


    - GET [List Returns: GET /returns](https://developers.newline53.com/reference/get_returns)

    - POST [Create a new Return: POST /returns](https://developers.newline53.com/reference/post_returns)

    - GET [Get a single Return: GET /returns/{uid}](https://developers.newline53.com/reference/get_returns-uid)


    The returns endpoint allows for the retrieval and creation of return transactions within the system.


    [GET List Returns](https://newline-enterprise-group.readme.io/reference/get_returns)- Use this endpoint to retrieve a
    list of all return transactions. You can filter the results based on various parameters such as status or date.


    [POST Create a New Return](https://newline-enterprise-group.readme.io/reference/post_returns)- This endpoint is used to
    Create a new return transaction. Return can only be created for eligible transactions that have already been completed.


    [GET a Single Return](https://newline-enterprise-group.readme.io/reference/get_returns-uid)- Use this endpoint to retrieve
    details about a specific return transaction.'
  humanURL: https://developers.newline53.com/referen

# --- truncated at 32 KB (58 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/fifth-third-bancorp/refs/heads/main/apis.yml

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