Open an account

What you will learn

✅ How to open a customer master account

CR provides a number of different types of accounts, including check and savings, Certificates of Deposit (CDs or time deposit accounts), and more.

To open any kind of account you must have a valid product ID for the type of account you want to open, and a customer ID (onboarded customer record ID) for the account holder. Note that the account holder must have at least one address and phone number in their customer record, and their OFAC status must be Clear. In addition, the classification of the customer must match the configured classification for the product. For example, only business customers can be added to a business product.

If you are new to account management we recommend you read the accounts documentation before starting this tutorial.

The tutorial assumes you have a knowledge of APIs and how they work. Refer to API basics for more details.

The tutorial uses this API endpoint:

API	Description
POST /core/v1/dda/accounts	Opens a deposit account for a customer

Before you begin

Make sure you have:

API credentials

Partner ID

Customer ID (only available once the customer is onboarded)

Product ID (defines the type of account being opened)

Registered the following webhook event:

Webhook	Description
Core.Account.Opened	A new account was opened

IMPORTANT We highly recommend you include an idempotency key in your request header to provide duplicate protection in the event of a failure. Read more about idempotency keys.

Register the relevant webhook events

To receive the webhook events for this tutorial both partner accounts need to register each specific webhook event type. Once you are registered, the event objects are sent to the registered URLs.

The event object contains a list of resource identifiers used to download details on each event.

Open an account

This tutorial shows you how to create a deposit account. In this scenario, you'll open an account for Jerry Penn, a customer who you successfully onboarded.

Closed accounts can only be re-opened by the CR Ops teams. To re-open an account please open a support ticket.

To open an account

Call POST /v1/dda/accounts. For this call, some attributes are required.

curl --location 'https://sandbox.crbcos.com/core/v1/dda/accounts' \
--header 'Idempotency-key: 025aaf3e-87e5-46e6-ba60-2071c3a69be8' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
  "customerId": "53c34cf0-4cd2-4768-937b-b30000dffdca",
  "productId": "83bed086-8182-4151-a1e3-af5b01362783",
  "title": "Jerry Penn",
  "statementAddress": {
    "street1": "12 Main St",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "countryCode": "US"
  }
}

A successful API call returns a JSON response with the details of the new account.

{
    "accountNumber": "2819503463",
    "status": "Active",
    "accountType": "Deposit",
    "ledgerType": "Passthrough",
    "classification": "Personal",
    "productType": "Checking",
    "productId": "83bed086-8182-4151-a1e3-af5b01362783",
    "title": "Jerry Penn",
    "currentBalance": 0,
    "holdAmount": 0,
    "transactionCount": 0,
    "availableBalance": 0,
    "creditLimit": 0,
    "overdraftFundingEnabled": false,
    "overdraftFundingThreshold": 0,
    "currency": "usd",
    "customerId": "53c34cf0-4cd2-4768-937b-b30000dffdca",
    "statementAddress": {
        "street1": "12 Main St",
        "city": "New York",
        "state": "NY",
        "postalCode": "10001",
        "countryCode": "US"
    },
    "openedAt": "2025-06-18T09:41:00.9073289-04:00",
    "lastMaintenanceAt": "2025-06-18T09:41:00.9073289-04:00",
    "partnerId": "cd9c12f4-7691-424a-b38b-af5b0134c611",
    "lastModifiedAt": "2025-06-18T09:41:00.9073289-04:00"
}

The accountNumber field provides the account number for the new account.

In the response example, the account is classified as Personal because the user configured the product classification as Personal. The account classification always matches the configured product classification.

The account status is automatically updated to Active, and is immediately available for use. This triggers the Core.Account.Opened event.

{
  "id": "259cdbca-6a89-4af8-a50e-ada3010fb13f",
  "eventName": "Core.Account.Opened",
  "status": "Pending",
  "partnerId": "cd9c12f4-7691-424a-b38b-af5b0134c611",
  "createdAt": "2025-06-18T09:41:00.9073289-05:00",
  "resources": [
    "core/v1/dda/accounts/2819503463"
  ],
  "details": []
}