curl --request POST \
  --url https://api-sandbox.circle.com/v1/banks/ach \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "ba943ff1-ca16-49b2-ba55-1057e70ca5c7",
  "accountNumber": "424233434333",
  "routingNumber": "121000248",
  "accountType": "checking",
  "billingDetails": {
    "name": "Joe Bloggs",
    "line1": "Address1",
    "line2": "Address2",
    "city": "City",
    "postalCode": "123",
    "district": "CA",
    "country": "US",
    "email": "joe.bloggs@example.com",
    "phone": "+14155550100"
  }
}
'

import requests

url = "https://api-sandbox.circle.com/v1/banks/ach"

payload = {
    "idempotencyKey": "ba943ff1-ca16-49b2-ba55-1057e70ca5c7",
    "accountNumber": "424233434333",
    "routingNumber": "121000248",
    "accountType": "checking",
    "billingDetails": {
        "name": "Joe Bloggs",
        "line1": "Address1",
        "line2": "Address2",
        "city": "City",
        "postalCode": "123",
        "district": "CA",
        "country": "US",
        "email": "joe.bloggs@example.com",
        "phone": "+14155550100"
    }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotencyKey: 'ba943ff1-ca16-49b2-ba55-1057e70ca5c7',
    accountNumber: '424233434333',
    routingNumber: '121000248',
    accountType: 'checking',
    billingDetails: {
      name: 'Joe Bloggs',
      line1: 'Address1',
      line2: 'Address2',
      city: 'City',
      postalCode: '123',
      district: 'CA',
      country: 'US',
      email: 'joe.bloggs@example.com',
      phone: '+14155550100'
    }
  })
};

fetch('https://api-sandbox.circle.com/v1/banks/ach', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/banks/ach",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => 'ba943ff1-ca16-49b2-ba55-1057e70ca5c7',
    'accountNumber' => '424233434333',
    'routingNumber' => '121000248',
    'accountType' => 'checking',
    'billingDetails' => [
        'name' => 'Joe Bloggs',
        'line1' => 'Address1',
        'line2' => 'Address2',
        'city' => 'City',
        'postalCode' => '123',
        'district' => 'CA',
        'country' => 'US',
        'email' => 'joe.bloggs@example.com',
        'phone' => '+14155550100'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/banks/ach"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"ba943ff1-ca16-49b2-ba55-1057e70ca5c7\",\n  \"accountNumber\": \"424233434333\",\n  \"routingNumber\": \"121000248\",\n  \"accountType\": \"checking\",\n  \"billingDetails\": {\n    \"name\": \"Joe Bloggs\",\n    \"line1\": \"Address1\",\n    \"line2\": \"Address2\",\n    \"city\": \"City\",\n    \"postalCode\": \"123\",\n    \"district\": \"CA\",\n    \"country\": \"US\",\n    \"email\": \"joe.bloggs@example.com\",\n    \"phone\": \"+14155550100\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/banks/ach")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"ba943ff1-ca16-49b2-ba55-1057e70ca5c7\",\n  \"accountNumber\": \"424233434333\",\n  \"routingNumber\": \"121000248\",\n  \"accountType\": \"checking\",\n  \"billingDetails\": {\n    \"name\": \"Joe Bloggs\",\n    \"line1\": \"Address1\",\n    \"line2\": \"Address2\",\n    \"city\": \"City\",\n    \"postalCode\": \"123\",\n    \"district\": \"CA\",\n    \"country\": \"US\",\n    \"email\": \"joe.bloggs@example.com\",\n    \"phone\": \"+14155550100\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/banks/ach")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"ba943ff1-ca16-49b2-ba55-1057e70ca5c7\",\n  \"accountNumber\": \"424233434333\",\n  \"routingNumber\": \"121000248\",\n  \"accountType\": \"checking\",\n  \"billingDetails\": {\n    \"name\": \"Joe Bloggs\",\n    \"line1\": \"Address1\",\n    \"line2\": \"Address2\",\n    \"city\": \"City\",\n    \"postalCode\": \"123\",\n    \"district\": \"CA\",\n    \"country\": \"US\",\n    \"email\": \"joe.bloggs@example.com\",\n    \"phone\": \"+14155550100\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "4771bc24-fcb7-4046-a94d-39feec11a4a0",
    "status": "pending",
    "routingNumber": "121000248",
    "description": "WELLS FARGO BANK, NA ****4333",
    "accountType": "checking",
    "billingDetails": {
      "name": "Joe Bloggs",
      "line1": "Address1",
      "line2": "Address2",
      "city": "City",
      "postalCode": "123",
      "district": "CA",
      "country": "US"
    },
    "fingerprint": "8c2afcd1-640f-4160-a303-659e1919b8e5",
    "createDate": "2026-06-08T21:56:49.310Z",
    "updateDate": "2026-06-08T21:56:49.310Z"
  }
}

{
  "code": 2,
  "message": "API parameter invalid."
}

{
  "code": 4,
  "message": "Unauthorized."
}

{
  "code": 404,
  "message": "Not found."
}

{
  "code": -1,
  "message": "Something went wrong. errId: 1f0b0c455e40f753f07b4f0ae6abd4b4"
}