The Apply API allows you to apply to open a new bank account, or apply to add additional authorized users to an existing account. Note that this is the only way to create new accounts or authorized users. It consists of multiple related resources that represent both the person making the application and the product for which she is applying. Treasury Prime and its partner banks will use the information provided to conduct due diligence and customer onboarding.

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Resources

Performing customer due diligence requires collecting comprehensive information about the potential customer, whether it’s a person or a business. The Apply API encodes this information in a hierarchy of resources. To submit an application, you’ll build up a complete hierarchy through a series of API calls.

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Resource Hierarchy

Personal Accounts
Account Application
└── Deposit
└── Person Application(s)
Business Accounts
Account Application
└── Deposit
└── Business Application
    └── Person Applications

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Submitting an Application

Final submission of an application for a new account happens when the Account Application resource is successfully created. You should organize your code so that you make this call last in the series of API calls. When testing your integration, it may be useful to coerce an Account Application into a particular status. By passing certain sentinel values, you can control whether the application gets approved, rejected, or put into manual review. See the testing guide for instructions.