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This guide walks you through the steps to support FedNow / RTP bank deposits using the REST API. FedNow / RTP uses the same bank account and routing number as ACH — the deposit method setup is identical.

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Prerequisites

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Walkthrough

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Check available rails

Call List Rails to verify FedNow supports the deposit feature before proceeding. 
GET /core/rails?type=bank&network=fednow&asset=USD
A successful response includes the rail details. The constraints field indicates deposits are credited to the user’s default USD account. 
{
  "rails": [
    {
      "type": "bank",
      "network": "fednow",
      "method": "bank-transfer",
      "asset": "USD",
      "decimals": 2,
      "features": [
        "deposit"
      ],
      "constraints": [
        {
          "rule": "allowed-deposit-accounts",
          "allowed": "default-only"
        }
      ]
    }
  ]
}

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Select destination account

USD bank deposits can only be credited to the user’s default USD account.

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Find the default account

Call List default accounts to retrieve it. 
GET /core/accounts/defaults?asset=USD

{
  "accounts": [
    {
      "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
      "ownerId": "1e32fca3-23f7-40ed-bc1b-de10c790182d",
      "label": "My USD account",
      "asset": "USD",
      "balance": {
        "total": "100.00",
        "available": "100.00"
      }
    }
  ]
}

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Create a new account

If the user has no default USD account, create one with Create account before proceeding. 
POST /core/accounts
{
  "label": "My USD account",
  "asset": "USD"
}

{
  "account": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "ownerId": "1e32fca3-23f7-40ed-bc1b-de10c790182d",
    "label": "My USD account",
    "asset": "USD",
    "balance": {
      "total": "0",
      "available": "0"
    }
  }
}

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Generate deposit method

For US bank rails, the same account and routing number are shared across all networks (ACH, FedNow / RTP, and Wire), so the same deposit method is generated and can be used for any of these networks. Call Set up account deposit method with the target account id and the desired network. For subsequent calls, use Get account deposit method instead. 
PUT /core/accounts/{accountId}/deposit-method?type=bank&network=fednow&asset=USD
A successful response includes the bank details. These are the same routing and account numbers as ACH — the sender uses them to initiate a FedNow / RTP push. 
{
  "depositMethod": {
    "type": "bank",
    "status": "ok",
    "details": {
      "network": "fednow",
      "asset": "USD",
      "routingNumber": "021000021",
      "accountNumber": "123456789",
      "accountType": "checking",
      "beneficiary": "John Doe",
      "bankName": "Cross River Bank",
      "bankAddress": {
        "line1": "2 Riverview Dr",
        "line2": "Fort Lee, NJ 07024"
      }
    }
  }
}
The deposit method may initially return status: processing while the details are being prepared. Call Get account deposit method to confirm it is ready (status: ok) before displaying instructions to the user.
Provide the routing number, account number and account type. Include the beneficiary name, bank name, and bank address to help the user confirm the legitimacy of the instructions.

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Monitor for the incoming transfer

Prefer webhooks for real-time updates, or fall back to polling if webhooks are not feasible.

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Sample transaction

In a successful FedNow / RTP bank deposit, the origin is represented as a bank-address node. The destination is the user’s default USD account. 
{
  "transaction": {
    "id": "a2b3c4d5-e6f7-8a9b-c0d1-e2f3a4b5c6d7",
    "origin": {
      "asset": "USD",
      "amount": "500.00",
      "node": {
        "type": "bank-address",
        "network": "fednow"
      }
    },
    "destination": {
      "asset": "USD",
      "amount": "500.00",
      "node": {
        "type": "account",
        "id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8",
        "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a"
      }
    },
    "status": "completed",
    "quotedAt": "2025-06-15T14:00:00Z",
    "createdAt": "2025-06-15T14:10:00Z",
    "updatedAt": "2025-06-15T14:30:00Z",
    "denomination": {
      "asset": "USD",
      "amount": "500.00",
      "target": "origin"
    }
  }
}

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Notify the user

Display an in-app confirmation when the transaction is completed, and send an email if applicable.
You now support FedNow / RTP bank deposits via the REST API.