Users can connect to any US Bank account with Account/Routing number (verified with micro-deposits).
Users can also connect to a large number of consumer bank accounts with their online banking logins. View the full list of supported banks here.
Supported features include the following:
We cross-check account information to verify account authorization.
Accounts that support Node Sync can be synced once every 4 hours and -- if successful -- will update the balance on the node and also pull any new transactions. To determine whether Node Sync is supported for a specific bank, see our institutions show API call and look for sync under supported features.
Node sync is in the GET node API call. To initiate a node sync, perform the GET request with a url parameter of force_refresh=yes.
Bank Transaction History
Select accounts also return transaction history. To determine whether transaction history is supported for a specific bank, see our institutions show API call and look for tx_history_months; any value greater than 0 indicates support.
Just like Node sync, transaction data is in the GET node API call. To access the transactions data, simply perform the GET request with a url parameter of full_dehydrate=yes.
GET node API call with full_dehydrate=yes also returns an analyzed transaction summary. This includes information like income streams, recurring withdrawals, recurring bank fees, and a general analysis of recurring credit card payments.
This provides insight into payments that are scheduled to be charged to the account even if they are not initiated through the user’s institution (for example, the card issuer is debiting the user’s account).
Bill Pay Data
Along with transaction data, we also return all the bills a user has linked to their bank. In the long term, our goal is to be able to provide a bill pay migration tool, that would allow customers to switch banks in matter of seconds, making it effortless for customers to be able to move from a external bank to a Synapse managed bank account.
We also return the most recent monthly statement associated with the user’s bank account. This acts like another documentary check that we can have on file for users for KYC purposes.