> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The account endpoint

Accounts are a representation of an Entity's financial accounts. An Account
can be a checking or savings account (ACH) or a credit card, student loan,
mortgage, personal loan, etc. (Liability).

## Account Objects

> [tab] Liability
>
> ## Additional Properties based on liability type
>
> > [tab] Auto Loan
>
> > [tab] Collection
>
> > [tab] Credit Builder
>
> > [tab] Credit Card
>
> > [tab] Insurance
>
> > [tab] Loan
>
> > [tab] Medical
>
> > [tab] Mortgage
>
> > [tab] Personal Loan
>
> > [tab] Student Loans
>
> > [tab] Utility
>
> > [tab] BNPL
>
> > [tab] Fintech

> [tab] ACH

## Account Liability Types

| Type | Description |
| - | - |
| `auto_loan` | A financial obligation incurred when borrowing funds to purchase a vehicle, usually secured by the vehicle itself. |
| `business_loan` | A loan issued to a business for operating expenses, equipment, expansion, or another business purpose. |
| `collection` | An account that reflects debts not paid on time, now handled by a third-party collection agency to recover the funds. |
| `credit_builder` | A type of financial arrangement, typically a small loan or secured credit card, designed to help individuals establish or improve their credit history. |
| `credit_card` | A revolving line of credit that allows the holder to make purchases or cash advances up to a certain limit, requiring regular payments. |
| `insurance` | Financial protection against specific losses in exchange for premiums paid, not typically a liability unless premiums are unpaid. |
| `loan` | Money borrowed that must be repaid with interest, can include various types such as personal, auto, or business loans. |
| `medical` | Accounts representing charges for healthcare services, often resulting from treatments or procedures not fully covered by insurance. |
| `mortgage` | A long-term loan secured by real estate property, used to purchase or refinance that property. |
| `personal_loan` | A secured or unsecured loan taken out by individuals from a bank or other financial institution for personal use. |
| `student_loan` | An individual loan issued to finance postsecondary education. |
| `student_loans` | Loans issued for the purpose of financing postsecondary education, payable under terms agreed upon completion of study. |
| `subscription` | A recurring obligation for access to a product or service. |
| `unknown` | A liability that has not yet been classified into another supported type. |
| `utility` | Bills owed for basic services such as electricity, water, and gas, which if unpaid, can become delinquent liabilities. |
| `bnpl` | Buy Now, Pay Later — a type of loan that lets the borrower make a purchase immediately and pay for it over time in installments. |
| `fintech` | An account facilitated by a financial technology (fintech) company acting as an intermediary between the borrower and a partner bank or lender. |

## Account Liability Sub-Types

| Type | Subtypes |
| - | - |
| `loan` | `business`, `unsecured` |
| `auto_loan` | `lease`, `loan` |
| `collection` | - |
| `mortgage` | `heloc` |
| `credit_card` | `business`, `charge`, `flexible_spending`, `secured` |
| `personal_loan` | `line_of_credit`, `heloc`, `purchase`, `lease`, `note`, `secured`, `unsecured` |
| `student_loans` | `private`, `federal` |
| `credit_builder` | `rent` |

## Webhook Payload

The [Webhook](https://docs.methodfi.com/2026-03-30/reference/webhooks/overview.md) payload will contain the following information:

```json theme={null}
{
  "id": "string",
  "type": "account.create" | "account.update" | "account.number.update",
  "path": "/accounts/<acc_id>",
  "event": "<evt_id>"
}
```

```json Liability theme={null}
{
  "id": "acc_RGACQH7XdfYhC",
  "holder_id": "ent_HYmQrVrcJQBBQ",
  "status": "active",
  "type": "liability",
  "liability": {
    "mch_id": "mch_302086",
    "mask": "1580",
    "ownership": "primary",
    "fingerprint": "27d5c0ea28338619192076d150eb7b56c288f9a1",
    "type": "credit_card",
    "name": "Chase Sapphire Reserve Credit Card"
  },
  "latest_verification_session": "avf_tB9mpmew8FLit",
  "update": "upt_NYV5kfjskTTCJ",
  "balance": "bal_dGCCNWHMQYRay",
  "card_brand": "cbrd_eVRdjn4jsfk3e",
  "payment_instrument": "pmt_inst_pd788hPVhLT37",
  "attribute": "acc_attr_cWBKqwVP87kim",
  "products": ["balance", "card_brand", "update", "payment", "payment_instrument.card", "payment_instrument.network_token", "payment_instrument.inbound_achwire_payment"],
  "restricted_products": ["attribute", "sensitive"],
  "subscriptions": [],
  "available_subscriptions": ["update.snapshot", "update"],
  "restricted_subscriptions": ["transaction"],
  "error": null,
  "metadata": null,
  "created_at": "2024-02-12T18:57:57.857Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json ACH theme={null}
{
  "id": "acc_BcRdHNjb9TYKV",
  "holder_id": "ent_wUzi83DJdx99e",
  "status": "active",
  "type": "ach",
  "ach": {
    "routing": "367537407",
    "number": "57838927",
    "type": "checking"
  },
  "latest_verification_session": "avf_7WGUjnFLcipRm",
  "products": [
    "payment"
  ],
  "restricted_products": [],
  "error": null,
  "metadata": null,
  "created_at": "2023-10-23T06:25:56.500Z",
  "updated_at": "2023-10-23T06:25:56.500Z"
}
```


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.