Opening a credit account

Overview of opening a credit for a customer.

Opening a credit account involves the following procedures:

  • Creating a credit application
  • Submitting the credit application

Note: This article relates to creating a credit account. For details related to creating a debit account, see Creating a debit account.

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Once you've created a customer or business, you can open a credit account for them.

The response to a request to create a credit account contains information regarding the newly created account, including an account_id. This is the UUID used to reference this account in subsequent API calls.

To open a credit account for a customer, use the POST /accounts operation and provide parameters as shown in the table below.

either customer_id or business_id is required
stringThe unique ID used to reference a customer resource. For example, 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b.
either business_id or customer_id is required
stringUnique ID used to reference a business. For example, 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b.
stringUnique ID that represents the card program offered to customers by your brand in partnership with a bank.
stringType of account to be created. Currently only deposit is supported.
descriptionstringOptional, free-form field to enter a description of the account to be created.

An example of a request to create a consumer credit account is shown below.

curl --request POST \
     --url \
     --header 'Accept: application/json' \
     --header 'Authorization: YOUR-AUTHENTICATION' \
     --header 'Content-Type: application/json' \
     --header 'Identity: YOUR-IDENTITY' \
     --data '
     "type": "credit",
     "customer_id": "c976768c-2258-4f1c-8abc-e88bac75dedf",
     "description": "HSA Account"
require 'uri'
require 'net/http'
require 'openssl'

url = URI("")

http =, url.port)
http.use_ssl = true

request =
request["Accept"] = 'application/json'
request["Content-Type"] = 'application/json'
request["Identity"] = 'YOUR-IDENTITY'
request["Authorization"] = 'YOUR-AUTHENTICATION'
request.body = "{\"type\":\"credit\",\"customer_id\":\"c976768c-2258-4f1c-8abc-e88bac75dedf\",\"description\":\"HSA Account\"}"

response = http.request(request)
puts response.read_body
const options = {
  method: 'POST',
  headers: {
    Accept: 'application/json',
    'Content-Type': 'application/json',
    Identity: 'YOUR-IDENTITY',
    Authorization: 'YOUR-AUTHENTICATION'
  body: JSON.stringify({
    type: 'credit',
    customer_id: 'c976768c-2258-4f1c-8abc-e88bac75dedf',
    description: 'HSA Account'

fetch('', options)
  .then(response => response.json())
  .then(response => console.log(response))
  .catch(err => console.error(err));
import requests

url = ""

payload = {
    "type": "credit",
    "customer_id": "c976768c-2258-4f1c-8abc-e88bac75dedf",
    "description": "HSA Account"
headers = {
    "Accept": "application/json",
    "Content-Type": "application/json",
    "Identity": "YOUR-IDENTITY",
    "Authorization": "YOUR-AUTHENTICATION"

response =, json=payload, headers=headers)

var client = new RestClient("");
var request = new RestRequest(Method.POST);
request.AddHeader("Accept", "application/json");
request.AddHeader("Content-Type", "application/json");
request.AddHeader("Identity", "YOUR-IDENTITY");
request.AddHeader("Authorization", "YOUR-AUTHENTICATION");
request.AddParameter("application/json", "{\"type\":\"credit\",\"customer_id\":\"c976768c-2258-4f1c-8abc-e88bac75dedf\",\"description\":\"HSA Account\"}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
OkHttpClient client = new OkHttpClient();

MediaType mediaType = MediaType.parse("application/json");
RequestBody body = RequestBody.create(mediaType, "{\"type\":\"credit\",\"customer_id\":\"c976768c-2258-4f1c-8abc-e88bac75dedf\",\"description\":\"HSA Account\"}");
Request request = new Request.Builder()
  .addHeader("Accept", "application/json")
  .addHeader("Content-Type", "application/json")
  .addHeader("Identity", "YOUR-IDENTITY")
  .addHeader("Authorization", "YOUR-AUTHENTICATION")

Response response = client.newCall(request).execute();

The following is an example of a response to a successful request to create a credit account.

  "account_id": "057c6074-a02d-4a5a-bad9-bbc64b047df7",
  "date_updated": "2020-08-16T19:39:34Z",
  "date_created": "2020-08-15T19:39:34Z",
  "program_id": "e242686d-3bb7-4543-8438-0aa682e14696",
  "customer_id": "1114ae62-5fe1-4b21-b4fb-f2b158d8e21e",
  "type": "credit",
  "status": "active",
  "description": "string",
  "routing_number": "547897762",
  "account_number": "574771265",
  "balance": {
    "current_balance": 1000,
    "available_balance": 950,
    "previous_statement_balance": 17312,
    "currency": "USD"
  "cards": [
  "deposit": {}

For a complete specification and interactive examples, see Create an account in the Bond API Reference.