> ## Documentation Index > Fetch the complete documentation index at: https://developers.circle.com/llms.txt > Use this file to discover all available pages before exploring further. # Create an ACH bank account > Create a bank account for ACH transfers. ## OpenAPI ````yaml openapi/accounts.yaml post /v1/banks/ach openapi: 3.0.2 info: version: 1.0.0 title: Accounts (Stablecoin) API description: > Circle's Accounts API provides endpoints for managing stablecoin accounts -- including transfers, withdrawals, deposits, wire and ACH bank accounts, and blockchain addresses. An **Account** is a general representation of a ledger or custody object that holds balances. It can be a business account, a stablecoin account ledger for an end user, an extra sub-ledger, or any future custody solution. license: name: Circle License url: https://circle.com/terms servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Accounts description: Manage accounts. - name: Account Groups description: Manage custody account groups and their memberships. - name: Transactions description: | Get a unified, customer-friendly view of account transaction activity. - name: Transfers description: Manage account transfers. - name: Withdrawals description: Manage account bank withdrawals (fiat offramp). - name: Wires description: Manage account bank accounts for wire transfers. - name: ACH description: Manage account bank accounts for ACH transfers. - name: Deposits description: Get information on account bank deposits. - name: Deposit Addresses description: Manage account deposit addresses. - name: Recipient Addresses description: Manage account recipient addresses used for transfers. paths: /v1/banks/ach: post: tags: - ACH summary: Create an ACH bank account description: Create a bank account for ACH transfers. operationId: createACHAccount requestBody: content: application/json: schema: $ref: '#/components/schemas/ACHCreationRequest' responses: '201': description: Successfully created a bank account for ACH transfers. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/CreateACHAccountResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '404': $ref: '#/components/responses/NotFound' '500': $ref: '#/components/responses/InternalServerError' security: - bearerAuth: [] components: schemas: ACHCreationRequest: description: Request object used to create a bank account for ACH transfers. type: object required: - idempotencyKey - accountNumber - routingNumber - accountType - billingDetails properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' accountNumber: description: Account number that identifies the bank account. type: string maxLength: 30 example: '424233434333' routingNumber: description: ABA routing number for the bank account. type: string minLength: 9 maxLength: 9 example: '121000248' accountType: $ref: '#/components/schemas/ACHAccountType' billingDetails: $ref: '#/components/schemas/ACHBillingDetailsRequest' CreateACHAccountResponse: title: CreateACHAccountResponse properties: data: $ref: '#/components/schemas/ACH' example: data: id: 4771bc24-fcb7-4046-a94d-39feec11a4a0 status: pending routingNumber: '121000248' description: WELLS FARGO BANK, NA ****4333 accountType: checking billingDetails: name: Joe Bloggs line1: Address1 line2: Address2 city: City postalCode: '123' district: CA country: US fingerprint: 8c2afcd1-640f-4160-a303-659e1919b8e5 createDate: '2026-06-08T21:56:49.310Z' updateDate: '2026-06-08T21:56:49.310Z' IdempotencyKey: type: string description: >- Universally unique identifier (UUID v4) idempotency key. This key is utilized to ensure exactly-once execution of mutating requests. format: uuid example: ba943ff1-ca16-49b2-ba55-1057e70ca5c7 ACHAccountType: description: Type of the bank account. type: string enum: - checking - savings example: checking ACHBillingDetailsRequest: type: object required: - name properties: name: type: string description: Full name of the bank account holder. maxLength: 1024 minLength: 3 pattern: ^[\x20-\x7E]{3,1024}$ example: Joe Bloggs line1: type: string description: Line one of the street address. maxLength: 1024 example: Address1 line2: type: string description: Line two of the street address. maxLength: 1024 example: Address2 city: type: string description: City portion of the address. maxLength: 1024 example: City postalCode: type: string description: Postal / ZIP code of the address. maxLength: 16 example: '123' district: type: string description: State / County / Province / Region portion of the address. example: CA country: type: string description: Country portion of the address. ISO 3166-1 alpha-2. example: US email: type: string description: Email address of the bank account holder. maxLength: 1024 example: joe.bloggs@example.com phone: type: string description: Phone number of the bank account holder in E.164 format. pattern: ^\+?[1-9]\d{1,14}$ example: '+14155550100' XRequestId: type: string format: uuid example: 2adba88e-9d63-44bc-b975-9b6ae3440dde ACH: type: object description: An ACH bank account. required: - id - status - routingNumber - description - accountType - billingDetails - fingerprint - createDate - updateDate properties: id: $ref: '#/components/schemas/Id' type: type: string example: ach status: $ref: '#/components/schemas/ExternalFiatAccountStatus' routingNumber: description: ABA routing number for the bank account. type: string example: '121000248' description: type: string description: Bank name plus last four digits of the bank account number. example: WELLS FARGO BANK, NA ****4333 accountType: $ref: '#/components/schemas/ACHAccountType' billingDetails: $ref: '#/components/schemas/BillingDetails' fingerprint: $ref: '#/components/schemas/Fingerprint' riskEvaluation: $ref: '#/components/schemas/RiskEvaluation' createDate: $ref: '#/components/schemas/UtcTimestamp' updateDate: $ref: '#/components/schemas/UtcTimestamp' Error: type: object required: - code - message properties: code: type: integer description: > Circle internal status code from the platform `CoreStatusCode` enum (and its domain-specific extensions). **This is not the HTTP status code** — `-1` is the catch-all unknown error, `1`/`2` indicate API parameter problems, `3` is forbidden, `4` is unauthorized, and larger values identify domain-specific failures. Consumers should rely on the HTTP status line for transport-level error class and on this field for the specific Circle error case. example: 2 message: type: string description: >- Internal error message; suitable for logging but not for end-user display. example: API parameter invalid. externalMessage: type: string description: > End-user-displayable error message. Present when the server has generated a customer-facing variant for this error; omitted otherwise. example: The provided amount exceeds the maximum allowed. Id: type: string description: Unique system-generated identifier for the entity. format: uuid example: b8627ae8-732b-4d25-b947-1df8f4007a29 ExternalFiatAccountStatus: description: Status of the account. type: string enum: - pending - complete - failed BillingDetails: type: object required: - name - city - country - line1 - postalCode properties: name: type: string description: Full name of the card or bank account holder. maxLength: 1024 example: Satoshi Nakamoto city: type: string description: City portion of the address. maxLength: 1024 example: Boston country: type: string description: Country portion of the address. ISO 3166-1 alpha-2. maxLength: 2 example: US line1: type: string description: Line one of the street address. maxLength: 1024 example: 100 Money Street line2: type: string description: Line two of the street address. maxLength: 1024 example: Suite 1 district: description: State / County / Province / Region portion of the address. type: string maxLength: 16 example: MA postalCode: type: string description: Postal / ZIP code of the address. maxLength: 16 example: '01234' valid: type: boolean description: Whether the billing details have been validated. Fingerprint: type: string description: A UUID that uniquely identifies the account number. example: eb170539-9e1c-4e92-bf4f-1d09534fdca2 RiskEvaluation: type: object description: >- Results of risk evaluation. Only present if the payment is denied by Circle's risk service. nullable: true properties: decision: description: Enumerated decision of the account. type: string enum: - approved - denied - review reason: description: Risk reason for the definitive decision outcome. type: string nullable: true example: '3000' UtcTimestamp: type: string description: ISO-8601 UTC date/time format. example: '2020-04-10T02:13:30.000Z' headers: XRequestId: description: > Circle-generated universally unique identifier (UUID v4). Useful for identifying a specific request when communicating with Circle Support. schema: $ref: '#/components/schemas/XRequestId' responses: BadRequest: description: The request cannot be processed due to a client error. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: 2 message: API parameter invalid. NotAuthorized: description: >- The request has not been applied because it lacks valid authentication credentials. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: 4 message: Unauthorized. NotFound: description: The specified resource was not found. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: 404 message: Not found. InternalServerError: description: >- The server encountered an unexpected condition that prevented it from fulfilling the request. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: $ref: '#/components/schemas/Error' example: code: -1 message: 'Something went wrong. errId: 1f0b0c455e40f753f07b4f0ae6abd4b4' securitySchemes: bearerAuth: type: http scheme: bearer ````