post https://api.sb.spidrsrv.com/v1/account/create
Use the /account/create endpoint to create an account for a new user.
📘
Please note that a user record is required before you can create an account, see here. The user should pass all onboarding checks enforced by your program before an account is created.
- An account establishes a relationship with the underlying processor and a financial product in your system.
- The first account created for a user is treated as their primary account.
- A user can have one or more accounts. Each account is tied to a single product.
- Accounts can be linked to other accounts for minor and joint account scenarios. Account balances can also be shared between accounts.
- For more information on accounts, see here.
Special Note for Digital-First products:
- If you create an account with a Digital-First product, physical transactions will be blocked by default to protect the card in transit. The digital version of the card is usable immediately (either online or via mobile wallet) upon account creation.
- Once the account owner verifies ownership of the card, you can call the Edit Account Features endpoint to lift this block. For more information please see Card Types. For guidance on card blocks, please see Account and Card Features.