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Bank Aggregation provides access to bank account balances and transaction data for fintech applications. Use it for account funding verification, balance checks, and cash flow analysis alongside Deposit Switch or Paycheck Linked Lending.

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Benefits

Account Verification

Confirm account ownership and balances instantly

Transaction History

Up to 2 years of categorized transactions

Direct Deposit Detection

Identify recurring payroll deposits automatically

Balance Monitoring

30/60/90-day average balance calculations

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What you get

Data PointDescription
Account balancesCurrent and available balances for checking and savings
Transaction historyIndividual transactions over the lookback period
Account ownershipVerified account holder information
Cash flow analysisDeposit and withdrawal patterns
Account metadataAccount type, institution name, routing number

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Use cases

Confirm that a new customer’s bank account is real and funded before enabling Deposit Switch.
Verify sufficient funds before initiating transfers or setting up Paycheck Linked Lending deductions.
Analyze deposit and withdrawal patterns to assess customer financial health.
Identify recurring payroll deposits as a complementary income signal.

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How to implement

Bank Aggregation uses the Embedded Orders flow, unlike Deposit Switch and Paycheck Linked Lending which use the User Token flow. See Embedded Orders for details.
curl --request POST \
     --url https://prod.truv.com/v1/orders/ \
     --header 'X-Access-Client-Id: YOUR_TRUV_CLIENT_ID' \
     --header 'X-Access-Secret: YOUR_TRUV_CLIENT_SECRET' \
     --header 'Content-Type: application/json' \
     --data '{
  "products": ["transactions"],
  "first_name": "John",
  "last_name": "Doe",
  "external_user_id": "user-123"
}'

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Data coverage

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Financial Institutions

Truv connects to major banks and credit unions:
Institution TypeExamples
National banksChase, Bank of America, Wells Fargo, Citi
Regional banksPNC, US Bank, TD Bank
Credit unionsNavy Federal, State Employees CU
Online banksAlly, Marcus, Discover
NeobanksChime, Current, Varo

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API reference

Bridge Token

Create tokens for Truv Bridge

Accounts

Financial account details

Balances

Account balance data

Users

Create and manage users

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Best practices

Request enough transaction history to identify recurring patterns. 60 days of data is the default and typically sufficient for cash flow analysis and recurring deposit identification.
Verify account funding before enabling Deposit Switch to ensure the customer’s account is active and in good standing.
Focus on recurring deposits to estimate stable income from bank transaction data.

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Next steps

Embedded Orders

Integration guide for Bank Aggregation

Direct Deposit Switch

Direct Deposit Switch integration guide