> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transactions

> Bank account and transaction data for fintech applications

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

<CardGroup cols={2}>
  <Card title="Account Verification" icon="building-columns">Confirm account ownership and balances instantly</Card>
  <Card title="Transaction History" icon="receipt">Up to 2 years of categorized transactions</Card>
  <Card title="Direct Deposit Detection" icon="money-bill-wave">Identify recurring payroll deposits automatically</Card>
  <Card title="Balance Monitoring" icon="chart-line">30/60/90-day average balance calculations</Card>
</CardGroup>

***

## 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

<AccordionGroup>
  <Accordion title="Account funding verification" icon="check-circle">
    Confirm that a new customer's bank account is real and funded before enabling Deposit Switch.
  </Accordion>

  <Accordion title="Balance checks before transfers" icon="scale-balanced">
    Verify sufficient funds before initiating transfers or setting up Paycheck Linked Lending deductions.
  </Accordion>

  <Accordion title="Cash flow analysis" icon="chart-line">
    Analyze deposit and withdrawal patterns to assess customer financial health.
  </Accordion>

  <Accordion title="Deposit-based income verification" icon="building-columns">
    Identify recurring payroll deposits as a complementary income signal.
  </Accordion>
</AccordionGroup>

***

## How to implement

<Note>
  Bank Aggregation uses the **Embedded Orders** flow, unlike Deposit Switch and Paycheck Linked Lending which use the User Token flow. See [Embedded Orders](/developers/integration/embedded-orders/overview) for details.
</Note>

```bash theme={null}
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

<CardGroup cols={2}>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
  <Card title="Accounts" icon="building-columns" href="/api-reference/balances/object">Financial account details</Card>
  <Card title="Balances" icon="scale-balanced" href="/api-reference/balances/object">Account balance data</Card>
  <Card title="Users" icon="user" href="/api-reference/users/object">Create and manage users</Card>
</CardGroup>

***

## Best practices

<AccordionGroup>
  <Accordion title="Request sufficient transaction history" icon="calendar">
    Request enough transaction history to identify recurring patterns. 60 days of data is the default and typically sufficient for cash flow analysis and recurring deposit identification.
  </Accordion>

  <Accordion title="Use alongside Deposit Switch" icon="layer-group">
    Verify account funding before enabling Deposit Switch to ensure the customer's account is active and in good standing.
  </Accordion>

  <Accordion title="Filter for recurring deposits" icon="money-bill-wave">
    Focus on recurring deposits to estimate stable income from bank transaction data.
  </Accordion>
</AccordionGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Embedded Orders" icon="star" href="/developers/integration/embedded-orders/overview">
    Integration guide for Bank Aggregation
  </Card>

  <Card title="Direct Deposit Switch" icon="code" href="/banking/integration/dds">
    Direct Deposit Switch integration guide
  </Card>
</CardGroup>