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Accounts

Deposit Accounts

Retrieve a customer's checking and savings accounts, including product details, account numbers, and status.
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Overview

The Deposit Accounts API returns the checking and savings accounts a customer holds with Citi. Use it to power account dashboards, onboarding flows, and any experience that needs to know which accounts a customer has.

Each account includes its product name, a masked account number, currency, and current status — everything you need to display an account list without handling sensitive data directly.

What you can do

Show an account overview — List every deposit account a customer has linked, with nicknames and masked numbers.

Personalize experiences — Tailor offers and insights based on the products a customer already holds.

Verify ownership — Confirm a customer owns a given account before initiating a transfer or payment.

List a customer’s accounts

1

Authenticate

Obtain an access token with the accounts:read scope. See the Authentication guide.

2

Request accounts

Call the endpoint to retrieve all deposit accounts linked to the customer.

3

Use the account reference

Each account returns an accountRef — a durable alias to use in Balances and Transactions calls.

{
  "accounts": [
    {
      "accountRef": "acct_884201",
      "productName": "Citi® Access Checking",
      "type": "CHECKING",
      "nickname": "Everyday",
      "displayNumber": "XXXXXXXX7721",
      "currency": "USD",
      "status": "OPEN"
    },
    {
      "accountRef": "acct_884202",
      "productName": "Citi® Accelerate Savings",
      "type": "SAVINGS",
      "nickname": "Emergency Fund",
      "displayNumber": "XXXXXXXX3390",
      "currency": "USD",
      "status": "OPEN"
    }
  ]
}

Account numbers are always returned masked. Use the accountRef alias — never the raw account number — in subsequent API calls.

Account types

TypeDescription
CHECKINGEveryday spending accounts
SAVINGSInterest-bearing savings accounts
MONEY_MARKETTiered-rate money market accounts
CDFixed-term certificates of deposit

Security requirements

Citi uses OAuth 2.0 access tokens to authorize every request. Request the accounts:read scope and the customer will be asked to consent before your app can view their accounts. See the Authentication guide for details.