Transactions

Bank Aggregation provides access to bank account balances and transaction data for fintech applications. Use it for account funding verification, balance checks, and cash flow analysis alongside Deposit Switch or Paycheck Linked Lending.

Benefits

Account Verification

Confirm account ownership and balances instantly

Transaction History

90 days by default, up to 2 years when requested

Direct Deposit Detection

Identify recurring payroll deposits automatically

Balance Monitoring

30/60/90-day average balance calculations

What you get

Data Point	Description
Account balances	Current and available balances for checking and savings
Transaction history	Individual transactions over the lookback period
Account ownership	Verified account holder information
Cash flow analysis	Deposit and withdrawal patterns
Account metadata	Account type, institution name, routing number

Use cases

Account funding verification

Confirm that a new customer’s bank account is real and funded before enabling Deposit Switch.

Balance checks before transfers

Verify sufficient funds before initiating transfers or setting up Paycheck Linked Lending deductions.

Cash flow analysis

Analyze deposit and withdrawal patterns to assess customer financial health.

Deposit-based income verification

Identify recurring payroll deposits as a complementary income signal.

How to implement

Bank Aggregation uses the Embedded Orders flow, unlike Deposit Switch and Paycheck Linked Lending which use the User Token flow. See Embedded Orders for details.

curl --request POST \
     --url https://prod.truv.com/v1/orders/ \
     --header 'X-Access-Client-Id: YOUR_TRUV_CLIENT_ID' \
     --header 'X-Access-Secret: YOUR_TRUV_CLIENT_SECRET' \
     --header 'Content-Type: application/json' \
     --data '{
  "products": ["transactions"],
  "first_name": "John",
  "last_name": "Doe",
  "external_user_id": "user-123"
}'

Data coverage

Financial Institutions

Truv connects to major banks and credit unions:

Institution Type	Examples
National banks	Chase, Bank of America, Wells Fargo, Citi
Regional banks	PNC, US Bank, TD Bank
Credit unions	Navy Federal, State Employees CU
Online banks	Ally, Marcus, Discover
Neobanks	Chime, Current, Varo

API reference

Bridge Token

Create tokens for Truv Bridge

Accounts

Financial account details

Balances

Account balance data

Users

Create and manage users

Best practices

Consider how much transaction history you need

Transactions connections pull the last 90 days of history by default, which is typically sufficient for cash flow analysis and recurring deposit identification. To pull the full window (up to 2 years), set request_extended_history to true when you create the bridge token. Every refresh uses the 90-day window regardless of how much history the original connection pulled — set request_extended_history on each refresh task that needs the full window.

Use alongside Deposit Switch

Verify account funding before enabling Deposit Switch to ensure the customer’s account is active and in good standing.

Filter for recurring deposits

Focus on recurring deposits to estimate stable income from bank transaction data.

Next steps

Embedded Orders

Integration guide for Bank Aggregation

Direct Deposit Switch

Direct Deposit Switch integration guide

⌘I

​Benefits

Account Verification

Transaction History

Direct Deposit Detection

Balance Monitoring

​What you get

​Use cases

​How to implement

​Data coverage

​Financial Institutions

​API reference

Bridge Token

Accounts

Balances

Users

​Best practices

​Next steps

Embedded Orders

Direct Deposit Switch

Benefits

What you get

Use cases

How to implement

Data coverage

Financial Institutions

API reference

Best practices

Next steps