Transfers

Transfers APIs expose the Transfers service: one-time and scheduled recurring movement between accounts—standard moves, loan payments, IRA contributions, and recipient transfers to other members at the same FI. A single API surface covers immediate execution and future-dated or repeating schedules. Use Recipient APIs first when the destination is a saved payee.

End-user benefits

• Transfer funds between their own accounts.
• Send money to other members at the same financial institution.
• Set up one-time or recurring scheduled transfers.

Integration capabilities

• Create one-time and scheduled transfers between accounts.
• Support loan payments and IRA contribution transfers.
• Configure scheduled recurring transfers with multiple frequencies.

Transfer types

Type	Description
Standard	Regular transfer between accounts
Loan Payment	Transfer to pay loan balance
IRA Contribution	Transfer for retirement contributions
Recipient Transfer	Transfer to another member's account

Scheduled transfer frequencies

Frequency	Description
ONETIME	Single execution
DAILY	Every day
WEEKLY	Once per week
BIWEEKLY	Every two weeks
TWICEMONTHLY	Twice per month
MONTHLY	Once per month
QUARTERLY	Every three months
SEMIANNUALLY	Twice per year
ANNUALLY	Once per year

Loan payment options (when applicable): DEFAULT, PRINCIPAL_ONLY, INTEREST_ONLY, EXCESS_TO_PRINCIPAL, EXCESS_TO_INTEREST.

Scopes

Scope	Description
recipients:read	Read recipient information
recipients:write	Create, update, and delete recipients
transfers:write	Create transfers

Required headers

Header	Description
Authorization	Bearer token (V2 authentication)
transactionId	Unique identifier for request tracking

Error codes (TFR_*)

Code	Message	HTTP Status Code
TFR_10000	Client error. Transfer could not be completed	400
TFR_10001	Server error. Transfer could not be completed	500
TFR_10002	Invalid institution id	400
TFR_10003	The From account does not exist or could not be retrieved	400
TFR_10004	The To account does not exist or could not be retrieved	400
TFR_10005	An unacceptable transfer type was provided for this transfer	400
TFR_10006	Contributions to a prior year cannot be scheduled	400
TFR_10007	A start date must be provided, and must be after today	400
TFR_10008	An end date after the start date must be provided and must yield at least one execution	400
TFR_10009	The number of executions is required for the given life type (positive integer ≤ 99)	400
TFR_10010	The provided frequency requires a valid day or set of days to execute on	400
TFR_10011	The provided schedule requires a life type	400
TFR_10012	The provided schedule requires a valid frequency	400
TFR_10013	Loan overpayment cannot be scheduled	400
TFR_10014	SRTs are not enabled for this institution	400
TFR_10015	Loan overpayment is not enabled for this institution	400
TFR_10016	Loan overpayment options are not configured for this institution	400
TFR_10017	Loan overpayment options for this institution could not be processed	400
TFR_10018	Loan overpayment is not allowed for the To account	400
TFR_10019	Loan overpayment option is not allowed for the To account	400
TFR_10020	The transfer amount is required	400
TFR_10021	The transfer amount is invalid	400
TFR_10022	The transfer amount exceeds the From account balance	400
TFR_10023	The From User is required	400
TFR_10024	The To User is required	400
TFR_10025	The From account is restricted from making a transfer	400
TFR_10026	The To account is restricted from receiving a transfer	400
TFR_10027	The From account has an invalid status and cannot be used to make a transfer	400
TFR_10028	The To account has an invalid status and cannot be used to receive a transfer	400
TFR_10029	The From account and To account cannot be the same	400
TFR_10030	The RegE confirmation message could not be created	400
TFR_10031	The transfer amount must equal the To account loan payment amount	400
TFR_10032	The transfer amount must be less than or equal to the To account loan payment amount	400
TFR_10033	The transfer amount must be greater than or equal to the To account loan payment amount	400
TFR_10034	Invalid query param	400
TFR_10035	Request should only contain printable ASCII characters	400
TFR_10036	Request is missing a transactionId header	400
TFR_10037	Request transactionId header is too long	400
TFR_10038	The To account prior year eligible contribution amount is missing, zero, or negative	400
TFR_10039	The transfer amount exceeds the prior year eligible contribution amount	400
TFR_10040	The To account eligible contribution amount is missing, zero, or negative	400
TFR_10041	The transfer amount exceeds the eligible contribution amount	400
TFR_10042	Memo is not enabled for this institution	400
TFR_10043	Memo exceeds maximum length allowed	400
TFR_10044	Memo contains an invalid character	400
TFR_10045	Transfers From the institution owned account transfer type is not enabled	400
TFR_10046	Transfers To the institution owned account transfer type is not enabled	400
TFR_10047	The institution owned account is not properly configured for this institution	400
TFR_10048	The cross TIN transfer type was set incorrectly	400
TFR_10050	Recipient transfers not allowed	400
TFR_10051	Recipient not found	400
TFR_10052	Recipient transfers to the requested account type not allowed	400
TFR_10053	Invalid to account type in validate recipient transfer request	400
TFR_10054	Invalid to passcode in validate recipient transfer request	400
TFR_10056	The request body could not be parsed; ensure required fields and valid values	400
TFR_10057	Business banking user not found	400
TFR_10058	The fromAccountId field is required	400
TFR_10059	The toAccountId field is required	400
TFR_10060	The CIF number is required, but was not found	401
TFR_10061	Request callingAppId header is too long	400
TFR_10062	The provided schedule is invalid for the life type and frequency	400
TFR_10063	An incorrect number of days was provided for the given frequency	400
TFR_10064	Test transfers cannot be scheduled	400
TFR_10065	Request header is too long	400
TFR_10066	Transfer id is required	400
TFR_10067	Transfer ids from request and URL do not match	400
TFR_10068	Unauthorized access	403
TFR_11001	Full authentication was not provided in the request	401
TFR_11002	The authentication token is invalid	401
TFR_11003	The authentication does not authorize this request	403

Endpoints

Create Transfer

Creates a one-time or scheduled recurring transfer between accounts. Supports various