Create a funding source for an account #

This section details how to add a bank account and a Virtual Account Number, or VAN, to a Dwolla Master Account.

To add a bank account as a Funding Source, you provide the account number and a routing number. A Virtual Account Number, or VAN, is a way to add a funding source by providing one number that acts as both account number and routing number.

VANs can be utilized outside of the Dwolla Platform to route ACH transactions both to and from a Dwolla Balance. Because a VAN behaves as a route to a Dwolla Balance, the only customers eligible to create a VAN funding source are the following:

Master Dwolla Accounts
Verified Customers.

Typically, a bank account that you add to a Dwolla Master Balance will have a status of “unverified”. In order to transfer money to and from your bank or credit union account to and from Dwolla Master Balance, you will need to verify ownership of the account. However, when you create a VAN, it will have a status of verified by default.

Bank #

HTTP request - bank funding source #

POST https://api.dwolla.com/funding-sources

Request parameters - bank funding source #

Parameter	Required	Type	Description
_links	conditional	object	A `_links` JSON object containing an exchange link relation. See example bash request and response below.
accountNumber	yes	string	The bank account number.
routingNumber	yes	string	The bank account's routing number.
bankAccountType	yes	string	Type of bank account: `checking` or `savings`.
name	yes	string	Arbitrary nickname for the funding source.
channels	no	array	An array containing a list of processing channels. ACH is the default processing channel for bank transfers. Acceptable value for channels is: "wire". e.g. `“channels”: [ “wire” ]`. A funding source (Bank Account) added using the wire channel only supports a funds transfer going to the bank account from a balance. Note: `channels` is a premium feature that must be enabled on your account and is only available to select Dwolla customers.

HTTP status and error codes - bank funding source #

HTTP Status	Code	Message
400	ValidationError	Duplicate funding source or validation error.
400	InactiveExchange	The Exchange was removed or disabled.
400	InvalidExchangeToken	The exchange token is not valid to perform this operation. Either the token is expired, invalid, or the products permissions to the token are invalid or expired.
403	Forbidden	Not authorized to create funding source.

Request and response - bank funding source #

Raw

POST https://api-sandbox.dwolla.com/funding-sources
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY
{
    "routingNumber": "222222226",
    "accountNumber": "123456789",
    "bankAccountType": "checking",
    "name": "My Bank"
}

...

HTTP/1.1 201 Created
Location: https://api-sandbox.dwolla.com/funding-sources/04173e17-6398-4d36-a167-9d98c4b1f1c3

Request and response - using an exchange resource #

Raw

POST https://api-sandbox.dwolla.com/funding-sources
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY
{
  "_links": {
    "exchange": {
      "href": "https://api-sandbox.dwolla.com/exchanges/6bc9109a-04fd-49b6-ace6-ca06fd282d65"
    }
  },
  "bankAccountType": "checking",
  "name": "Jane Doe - Checking"
}

HTTP/1.1 201 Created
Location: https://api-sandbox.dwolla.com/funding-sources/AB443D36-3757-44C1-A1B4-29727FB3111C

Virtual Account Number #

HTTP request - VAN funding source #

POST https://api.dwolla.com/funding-sources

Request parameters - VAN funding source #

Parameter	Required	Type	Description
name	yes	string	Arbitrary nickname for the funding source.
type	yes	string	Denotes that this is a virtual funding source being created (VAN). Value must be `virtual`.
bankAccountType	yes	string	Value must be `checking`. VANs with a `bankAccountType` of `savings` are not currently available.

HTTP status and error codes - VAN funding source #

HTTP Status	Message
403	Virtual account numbers are not enabled for this account.

Request and response - VAN funding source #

Raw

POST https://api-sandbox.dwolla.com/funding-sources
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY
{
 "name": "My First VAN",
 "type": "virtual",
 "bankAccountType": "checking"
}

...

HTTP/1.1 201 Created
Location: https://api-sandbox.dwolla.com/funding-sources/04173e17-6398-4d36-a167-9d98c4b1f1c3

Retrieve account details

List funding sources for an account

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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.