Fetch JackHenry Account ownership information

Question

I'm integrating against JackHenry's digital toolkit, where I'd like to retrieve account ownership information for KYC-related purposes. Specifically, for each account, I would like to know the following accountholder information:

1. Name
2. Address
3. Email (optional)
4. Phone (optional)

I've considered the following options:

1. Use the GET /users/{userId} endpoint.
   • Pros: Contains all the information that I need.
   • Cons: It pertains the authenticated user's information, which may not be the same as the accountholder's information. For example, if this account belongs to an LLC, I want the LLC's name/address etc., not the user's.
2. Use the GET /users/{userId}/accounts endpoint
   • Pros: Contains an accountHolderName field
   • Cons: Does not contain address/email/phone field.

Which API (or set of APIs) would you recommend using to retrieve the accountholder's ownership information?

Answer 1

The short answer

The Banno Digital Toolkit doesn't offer account ownership information via its Consumer API nor Admin API.

The longer answer

From an account ownership perspective, it would be misleading to use any of the Digital Toolkit's APIs for that specific purpose (including the ones you've identified in your question).

The Banno digital banking UI doesn't know who owns an account, it simply knows that a given user has been granted access to view that particular account in the underlying core.

There can be a variety of reasons and relationships which influence why a user may be granted access to an account, but there isn't anything explicitly passed into Banno which would describe ownership per se.

Which means that the Banno Digital Toolkit wouldn't have a way to offer account ownership information either since the Digital Toolkit offers the same Consumer API and Admin API used by the Banno digital banking UI.