Truist Financial

Truist Financial Corporation is a purpose-driven financial services company headquartered in Charlotte, North Carolina, formed by the merger of BB&T and SunTrust Banks in 2019. As one of the ten largest commercial banks in the United States, Truist offers a comprehensive suite of developer APIs through its Developer Center, enabling financial institutions, fintech companies, and enterprise clients to integrate banking capabilities into their applications. The platform covers personal and small business banking, commercial accounts, transactions, open banking, and association services, with OAuth 2.0 and API key authentication. Truist launched FDX-compliant open banking in 2026, partnering with Mastercard and Plaid to enable secure, tokenized financial data sharing for consumers and businesses.

Truist Financial publishes 4 APIs on the APIs.io network, including Accounts API, Commercial Accounts API, Commercial Transactions API, and 1 more. Tagged areas include Banking, Financial Services, Open Banking, Commercial Banking, and Personal Banking.

The Truist Financial catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Truist Financial’s developer surface includes authentication, developer portal, getting-started guide, engineering blog, GitHub presence, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.9/100 developing ▼ -7.0 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessEnterpriseApproval

8 APIs 3 Features

BankingFinancial ServicesOpen BankingCommercial BankingPersonal BankingPaymentsAccountsTransactionsFortune 500

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 51.9/100 · developing

Contract Quality 17.4 / 25

Developer Ergonomics 6.5 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 3.4 / 13

Governance 7.0 / 12

Discoverability 7.4 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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/truist-financial: 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 8

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

Rate Limits 1

Documented rate limits and quota policies.

Truist Financial Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Truist Financial Finops

FINOPS

Features 3

Notable capabilities this provider offers.

Truist Financial: API access via partner / B2B contracts only

No public API pricing published — contact enterprise sales

Truist banking APIs are commercial banking integrations available to enterprise treasury management customers.

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Examples 5

Example request and response payloads for these APIs.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Truist Financial Scopes

4 scopes · clientCredentials/authorizationCode

4 scopes

SCOPES

Agentic Access 1

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

Truist Financial Agentic Access

11 operations

11 operations · 0 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Portal

Portal

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

SpectralRules

SpectralRules

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Authentication

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 5

The organization behind the API

Website

Website

InvestorRelations

InvestorRelations

About

About

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: truist-financial
url: https://raw.githubusercontent.com/api-evangelist/truist-financial/refs/heads/main/apis.yml
name: Truist Financial
description: Truist Financial Corporation is a purpose-driven financial services company headquartered in Charlotte, North
  Carolina, formed by the merger of BB&T and SunTrust Banks in 2019. As one of the ten largest commercial banks in the United
  States, Truist offers a comprehensive suite of developer APIs through its Developer Center, enabling financial institutions,
  fintech companies, and enterprise clients to integrate banking capabilities into their applications. The platform covers
  personal and small business banking, commercial accounts, transactions, open banking, and association services, with OAuth
  2.0 and API key authentication. Truist launched FDX-compliant open banking in 2026, partnering with Mastercard and Plaid
  to enable secure, tokenized financial data sharing for consumers and businesses.
type: Index
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise · Requires approval
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truist-financial.png
tags:
- Banking
- Financial Services
- Open Banking
- Commercial Banking
- Personal Banking
- Payments
- Accounts
- Transactions
- Fortune 500
access: 3rd-Party
created: '2026-03-21'
modified: '2026-05-19'
specificationVersion: '0.19'
apis:
- aid: truist-financial:truist-personal-small-business-client-contact-api
  name: Truist Personal and Small Business Client Contact API
  tags:
  - Client Management
  - Personal Banking
  - Small Business
  - Contact Information
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.truist.com/v1
  humanURL: https://developer.truist.com/api/personal-and-small-business-client-contact/overview
  properties:
  - url: https://developer.truist.com/api/personal-and-small-business-client-contact/overview
    type: Documentation
  - url: https://developer.truist.com/api/working-with-truist
    type: Authentication
  description: The Truist Personal and Small Business Client Contact API provides access to client contact information associated
    with personal and small business accounts, including address, phone number, and email address data. This API enables authorized
    applications to retrieve and manage contact details for authenticated Truist clients, supporting CRM integrations and
    account management workflows.
- aid: truist-financial:truist-commercial-account-transaction-image-api
  name: Truist Commercial Account Transaction Image API
  tags:
  - Transactions
  - Check Images
  - Commercial Banking
  - Documents
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.truist.com/v1
  humanURL: https://developer.truist.com/api/commercial-account-transaction-image/overview
  properties:
  - url: https://developer.truist.com/api/commercial-account-transaction-image/overview
    type: Documentation
  - url: https://developer.truist.com/api/working-with-truist
    type: Authentication
  description: The Truist Commercial Account Transaction Image API provides access to check images and transaction document
    images associated with commercial account transactions. Developers can retrieve front and back images of checks, deposit
    slips, and other payment documents by transaction reference. The API supports document archiving, audit workflows, and
    automated reconciliation integrations for commercial banking clients.
- aid: truist-financial:truist-open-banking-api
  name: Truist Open Banking API
  tags:
  - Open Banking
  - FDX
  - Financial Data Exchange
  - Accounts
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.truist.com/v1
  humanURL: https://truist-1132.my.site.com/truist/s/
  properties:
  - url: https://truist-1132.my.site.com/truist/s/
    type: Portal
  - url: https://truist-1132.my.site.com/truist/s/subscriptions
    type: Documentation
  - url: https://www.prnewswire.com/news-releases/truist-launches-secure-open-banking-experience-302685248.html
    type: Announcement
  description: The Truist Open Banking API provides secure, FDX-compliant (Financial Data Exchange) access to consumer and
    small business financial data, enabling authorized fintech applications to retrieve account balances, transaction history,
    and payment information with client consent. Launched in February 2026 in partnership with Mastercard's open finance platform,
    the API replaces credential sharing with tokenized, permission-based access. Truist expanded the program through a Plaid
    data-access agreement in March 2026, enabling clients to manage and revoke third-party data access through a centralized
    consent portal. The API supports account information, transaction data, investment data, and loan data per FDX standards.
- aid: truist-financial:truist-association-services-api
  name: Truist Association Services API
  tags:
  - Association Services
  - Community Banking
  - Banking
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.truist.com/v1
  humanURL: https://developer.truist.com/categories/association-services
  properties:
  - url: https://developer.truist.com/categories/association-services
    type: Documentation
  - url: https://developer.truist.com/api/working-with-truist
    type: Authentication
  description: The Truist Association Services API provides banking and payment capabilities tailored for associations, non-profit
    organizations, and community groups. The API supports dues collection, payment processing, member account management,
    and reporting for trade associations, homeowners associations, and membership organizations that bank with Truist. It
    enables integration of banking workflows into association management platforms and member portals.
- aid: truist-financial:truist-financial-accounts-api
  name: Truist Financial Accounts API
  description: Personal and small business account operations
  humanURL: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  baseURL: https://api.truist.com/v1
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/truist-financial-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/documentation
  - type: Authentication
    url: https://developer.truist.com/api/working-with-truist
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/documentation
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/documentation
- aid: truist-financial:truist-financial-commercial-accounts-api
  name: Truist Financial Commercial Accounts API
  description: Commercial banking account operations
  humanURL: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  baseURL: https://api.truist.com/v1
  tags:
  - Commercial Accounts
  properties:
  - type: OpenAPI
    url: openapi/truist-financial-commercial-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/documentation
  - type: Authentication
    url: https://developer.truist.com/api/working-with-truist
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/documentation
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/documentation
- aid: truist-financial:truist-financial-commercial-transactions-api
  name: Truist Financial Commercial Transactions API
  description: Commercial account transaction operations
  humanURL: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  baseURL: https://api.truist.com/v1
  tags:
  - Commercial Transactions
  properties:
  - type: OpenAPI
    url: openapi/truist-financial-commercial-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/documentation
  - type: Authentication
    url: https://developer.truist.com/api/working-with-truist
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/documentation
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/documentation
- aid: truist-financial:truist-financial-transactions-api
  name: Truist Financial Transactions API
  description: Personal and small business transaction operations
  humanURL: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  baseURL: https://api.truist.com/v1
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/truist-financial-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-accounts/documentation
  - type: Authentication
    url: https://developer.truist.com/api/working-with-truist
  - type: Documentation
    url: https://developer.truist.com/api/personal-and-small-business-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-accounts/documentation
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/overview
  - type: Documentation
    url: https://developer.truist.com/api/commercial-account-transactions/documentation
common:
- type: AgenticAccess
  url: agentic-access/truist-financial-agentic-access.yml
- type: DomainSecurity
  url: security/truist-financial-domain-security.yml
- type: Authentication
  url: authentication/truist-financial-authentication.yml
- type: OAuthScopes
  url: scopes/truist-financial-scopes.yml
- url: https://www.truist.com
  name: Truist Website
  type: Website
- url: https://developer.truist.com/
  name: Developer Center
  type: Portal
- url: https://developer.truist.com/api/working-with-truist
  name: Getting Started
  type: GettingStarted
- url: https://developer.truist.com/api/working-with-truist
  name: Authentication
  type: Authentication
- url: https://truist-1132.my.site.com/truist/s/
  name: Open Banking Portal
  type: Portal
- url: https://raw.githubusercontent.com/api-evangelist/truist-financial/refs/heads/main/rules/truist-financial-rules.yml
  name: Spectral Rules
  type: SpectralRules
- url: https://investor.truist.com/
  name: Investor Relations
  type: InvestorRelations
- url: https://www.truist.com/about-truist
  name: About Truist
  type: About
- url: https://ir.truist.com/news-releases
  name: Press Releases
  type: Blog
- url: https://www.linkedin.com/company/truistfinancial
  name: Truist on LinkedIn
  type: LinkedIn
- url: https://twitter.com/Truist
  name: Truist on X (Twitter)
  type: X
- url: https://github.com/truistbank
  name: Truist on GitHub
  type: GitHub
- url: https://www.truist.com/privacy-security
  name: Privacy Policy
  type: PrivacyPolicy
- url: https://www.truist.com/about-truist/terms-conditions
  name: Terms of Service
  type: TermsOfService
- type: Features
  data:
  - 'Truist Financial: API access via partner / B2B contracts only'
  - No public API pricing published — contact enterprise sales
  - Truist banking APIs are commercial banking integrations available to enterprise treasury management customers.
  sources:
  - https://www.truist.com/business/treasury-management
  updated: '2026-05-04'
- type: LlmsText
  url: https://developer.truist.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com