openapi: 3.0.0
info:
  title: Information Reporting
  description: "The Information Reporting API enables authenticated consumers to programmatically retrieve\
    \ deposit account and transaction data for Citizens Bank customers. Designed exclusively for Savings\
    \ and Checking accounts, it offers structured access to account metadata and detailed transaction\
    \ histories to support use cases such as company finance management, digital banking, and financial\
    \ reporting. The API enforces FAPI-compliant security standards, including OAuth 2.0 with fine-grained\
    \ scopes, and delivers responses in standardized JSON format for seamless, secure integration.\n\n\
    \ The **Information Reporting API** provides the following functionalities:\n \n<br> 1. **Account\
    \ details Inquiry API**:\n   - Initiates an account balance inquiry by providing account number and\
    \ an optional routing number.\n   - **Endpoint**: `v1/information-reporting/balance/query` (POST)\n\
    \   - **Purpose**: To retrieve the balances and status of accounts.\n   \n<br> 2. **Account List Inquiry\
    \ API**:\n   - Retrieves the list of accounts.\n   - **Endpoint**: `v1/information-reporting/list`\
    \ (GET)\n   - **Purpose**: To retrieve the list of accounts.\n   \n<br> 3. **Account Transaction Inquiry\
    \ Status API**:\n   - Retrieves the transaction history for a specific account with in provided start\
    \ date and end date.\n   - **Endpoint**: `v1/information-reporting/transaction/query` (POST)\n   -\
    \ **Purpose**: To retrieve the transaction history for a specific account."
  version: 1.0.16
  x-ibm-name: information-reporting
  x-pathalias: informationreporting-v1
  x-ibm-summary: ''
  x-source-url: https://developer.citizensbank.com/product/commercial-banking/api/informationreporting-v1
  x-harvested: '2026-09-05'
  x-harvest-method: searched
  x-environment: production
externalDocs:
  description: API Documentation
  url: https://developer.citizensbank.com/content/qut/CitizensInformationReportingAPIUserGuide.pdf
servers:
- url: https://apis.citizensbank.com/v1/information-reporting
security:
- client-id: []
paths:
  /balance/query:
    post:
      tags:
      - Information Reporting
      summary: 'Get accounts balances for a authorized Non human Account system identifier '
      description: The Account Information API to retrieve list account balances associated with the API-User
        id.
      operationId: getAccountDetails
      parameters:
      - name: x-fapi-trace-id
        in: header
        description: Unique request id for each request to make it traceable if needed.
        required: true
        style: simple
        schema:
          maxLength: 36
          type: string
      - name: x-fapi-channel-id
        in: header
        description: Identifier used to distinguish between different communication channels or data streams
          within a client system.
        required: false
        style: simple
        explode: false
        schema:
          maxLength: 20
          type: string
      - name: Authorization
        in: header
        description: OAuth 2.0 Authorization Bearer Token
        required: true
        style: simple
        schema:
          $ref: '#/components/schemas/AuthorizationHeader'
        example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
      requestBody:
        content:
          application/json:
            schema:
              type: array
              description: Provide list of accounts with number, type and routing number
              items:
                $ref: '#/components/schemas/AccountDetailRequest'
        required: true
      responses:
        '200':
          description: Successfully retrieved the list of accounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BalanceInquiryResponseData'
        '206':
          description: Partially retrieved the list of accounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BalanceInquiryResponseData2'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Resource not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
  /list:
    get:
      tags:
      - Information Reporting
      summary: 'Get accounts list for a authorized Non human Account system identifier '
      description: The Account Information API to retrieve list accounts associated with the API-User
        id.
      operationId: getAccountList
      parameters:
      - name: x-fapi-trace-id
        in: header
        description: Unique request id for each request to make it traceable if needed.
        required: true
        style: simple
        schema:
          maxLength: 36
          type: string
      - name: x-fapi-channel-id
        in: header
        description: Identifier used to distinguish between different communication channels or data streams
          within a client system.
        required: false
        style: simple
        explode: false
        schema:
          maxLength: 20
          type: string
      - name: Authorization
        in: header
        description: OAuth 2.0 Authorization Bearer Token
        required: true
        style: simple
        schema:
          $ref: '#/components/schemas/AuthorizationHeader'
        example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
      - name: pageOffset
        in: query
        description: Page number for pagination
        required: true
        style: form
        explode: true
        schema:
          type: integer
          format: int32
      - name: pageLimit
        in: query
        description: Maximum number of records per page
        required: true
        style: form
        explode: true
        schema:
          type: integer
          format: int32
      responses:
        '200':
          description: Successfully retrieved the list of accounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountListResponseData'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Resource not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
  /transactions/query:
    post:
      tags:
      - Information Reporting
      summary: Get the list of transaction(s) of the requested Account.
      description: 'The Account Information API to retrieve list of account transaction(s) the user is
        entitled. '
      operationId: getTransactions
      parameters:
      - name: x-fapi-trace-id
        in: header
        description: Unique request id for each request to make it traceable if needed.
        required: true
        style: simple
        schema:
          maxLength: 36
          type: string
      - name: x-fapi-channel-id
        in: header
        description: Identifier used to distinguish between different communication channels or data streams
          within a client system.
        required: false
        style: simple
        explode: false
        schema:
          maxLength: 20
          type: string
      - name: Authorization
        in: header
        description: OAuth 2.0 Authorization Bearer Token
        required: true
        style: simple
        schema:
          $ref: '#/components/schemas/AuthorizationHeader'
        example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
      requestBody:
        content:
          application/json:
            schema:
              type: array
              description: Provide account number, optional routing number and other optional parameters.
              items:
                $ref: '#/components/schemas/AccountTransactionRequest'
        required: true
      responses:
        '200':
          description: Successfully retrieved the list of transactions.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountTransactionResponse'
        '204':
          description: Successfull, but no transaction found for the requested criteria.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountTransactionResponse'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Resource not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
components:
  schemas:
    ErrorResponse:
      required:
      - errorDetails
      - result
      - source
      type: object
      properties:
        result:
          maxLength: 7
          type: string
          description: It represents the error status. Its value should be either WARNING or FATAL. *
            `FATAL` - is an error which represents that something is not correct while processing the
            request, it could be because of the request or something is not correct with the processing
            system. * `WARNING` - is a success with some info which means it is not absolute successful
            transaction, however response will have information about what is needed in order to have
            absolute successful transaction.
          example: FATAL
          enum:
          - FATAL
          - WARNING
        source:
          maxLength: 100
          type: string
          description: Source system or provider system which causes error.
          example: Information Reporting API
        requestId:
          maxLength: 36
          type: string
          description: traceid to track the error in the APM logs.
          example: 685af2c80f9b1a93ca106902937c2e01
        errorDetails:
          type: array
          items:
            $ref: '#/components/schemas/ErrorResponse_errorDetails'
    AccountDetailRequest:
      required:
      - accountNumber
      type: object
      properties:
        accountNumber:
          maxLength: 14
          minLength: 10
          type: string
          description: The account number associated with the account. Must be between 10 and 14 characters.
          example: '123456789'
        routingNumber:
          maxLength: 9
          minLength: 9
          type: string
          description: The routing number associated with the account. Must be exactly 9 characters.
          example: '010023232'
      description: Represents the request for account details.
    AccountListResponseData:
      type: object
      properties:
        message:
          type: string
          description: The message associated with the API response.
          example: Success
        description:
          type: string
          description: A detailed description of the API response.
          example: Request processed successfully.
        requestId:
          type: string
          description: The unique identifier for the API request.
          example: abc123
        requestTime:
          type: string
          description: The timestamp of the API request in US/Eastern timezone.
          format: date-time
        data:
          type: array
          description: The actual data returned in the response. Can be of any type.
          example:
            accountList:
            - accountNumber: '123456789'
              accountName: Joe Down Saving Acct
              routingNumber: '987654321'
              accountType: SAVING
              isRealTimeAccount: true
            - accountNumber: '0123456101'
              accountName: Alesya Checking Prev Day Acct
              routingNumber: '987650011'
              accountType: CHECKING
              isRealTimeAccount: false
          items:
            $ref: '#/components/schemas/AccountListQueryResponse'
        status:
          type: integer
          description: The HTTP status code of the API response.
          format: int32
          example: 200
      description: Represents the response data containing the API status and additional data.
    BalanceInquiryResponseData:
      type: object
      properties:
        message:
          type: string
          description: The message associated with the API response.
          example: Success
        description:
          type: string
          description: A detailed description of the API response.
          example: Request processed successfully.
        requestId:
          type: string
          description: The unique identifier for the API request.
          example: 848AF13B-7CE7-4F85-80C0-AC2934E9E6E2
        requestTime:
          type: string
          description: The timestamp of the API request in US/Eastern timezone.
          format: date-time
        data:
          type: array
          description: The actual data returned in the response. Can be of any type.
          example:
          - accountNumber: '1234567890'
            routingNumber: '987654321'
            accountType: SAVINGS
            currentDayAvailableBalance: 1010.5
            currentDayLedgerBalance: 2000.5
          - accountNumber: '1234567101'
            routingNumber: '987652221'
            accountType: CHECKING
            currentDayAvailableBalance: 1010.5
            currentDayLedgerBalance: 2000.5
            previousDayAvailableBalance: 1000.05
            previousDayLedgerBalance: 1010.05
          items:
            $ref: '#/components/schemas/AccountDetail'
        status:
          type: integer
          description: The HTTP status code of the API response.
          format: int32
          example: 200
      description: Represents the response data containing the API status and additional data.
    BalanceInquiryResponseData2:
      type: object
      properties:
        message:
          type: string
          description: The message associated with the API response.
          example: Success
        description:
          type: string
          description: A detailed description of the API response.
          example: Partially processed successfully.
        requestId:
          type: string
          description: The unique identifier for the API request.
          example: 848AF13B-7CE7-4F85-80C0-AC2934E9E6E2
        requestTime:
          type: string
          description: The timestamp of the API request in US/Eastern timezone.
          format: date-time
        data:
          type: array
          description: The actual data returned in the response. Can be of any type.
          example:
          - accountNumber: '123456789'
            routingNumber: '987654321'
            accountType: CHECKING
            currentDayAvailableBalance: 1010.5
            currentDayLedgerBalance: 2000.5
            previousDayAvailableBalance: 1000.05
            previousDayLedgerBalance: 1010.05
          items:
            $ref: '#/components/schemas/AccountDetail'
        status:
          type: integer
          description: The HTTP status code of the API response.
          format: int32
          example: 206
      description: 'Represents the response data containing the API status and additional data. '
    Account:
      type: object
      properties:
        type:
          type: string
          description: The type of the account.
          example: Saving
        accountType:
          type: string
          description: The specific type of the account.
          example: Personal
        accountNumber:
          type: string
          description: The account number.
          example: '123456789'
        routingNumber:
          type: string
          description: The routing number associated with the account.
          example: '987654321'
        accountName:
          type: string
          description: The name of the account.
          example: John Doe Savings Account
        isRealTimeAccount:
          type: boolean
          description: Indicates if the account is a real-time account.
          example: true
    AccountDetail:
      allOf:
      - $ref: '#/components/schemas/Account'
      - type: object
        properties:
          currentDayLedgerBalance:
            type: number
            description: The current day ledger balance of the account.
            format: double
            example: 1000.5
          currentDayAvailableBalance:
            type: number
            description: The current day available balance of the account.
            format: double
            example: 950.75
          previousDayLedgerBalance:
            type: number
            description: The previous day ledger balance of the account.
            format: double
            example: 900
          previousDayAvailableBalance:
            type: number
            description: The previous day available balance of the account.
            format: double
            example: 900
          accountStatus:
            type: string
            description: The status of the account.
            example: HOLD
    AccountListQueryResponse:
      type: object
      properties:
        accountList:
          type: array
          description: The list of accounts returned by the query.
          items:
            $ref: '#/components/schemas/Account'
        totalRows:
          type: integer
          description: The total number of rows available.
          example: 100
        totalPages:
          type: integer
          description: The total number of pages available.
          example: 5
        rowsPerPage:
          type: integer
          description: The number of rows per page.
          example: 20
    AccountTransactionRequest:
      required:
      - accountNumber
      type: object
      properties:
        accountNumber:
          maxLength: 14
          minLength: 10
          type: string
          description: The account number associated with the account. Must be between 10 and 14 characters.
          example: '123456789'
        routingNumber:
          maxLength: 9
          minLength: 9
          type: string
          description: The routing number associated with the account. Must be exactly 9 characters.
          example: '010023232'
        startRangeOfDate:
          type: string
          description: Start range of transaction posted date. It would be in yyyy-MM-dd format.
          format: date
          example: '2025-01-01'
        endRangeOfDate:
          type: string
          description: End range of transaction posted date. It would be in yyyy-MM-dd format.
          format: date
          example: '2025-06-01'
        limit:
          maximum: 2000
          minimum: 100
          type: integer
          description: Total number of transaction(s) records to return (should be in multiple of 100).
          example: 1000
        nextKey:
          maxLength: 45
          type: string
          description: This field can be used by the consumers to fetch the records from a specific page.  This
            value is returned as part of the response indicating the key for the next page.
          example: ODC-CIS0100100000000001014625202501500000123
      description: Represents the request for account details.
    AccountTransactionResponse:
      type: object
      properties:
        message:
          type: string
          description: The message associated with the API response.
          example: Success
        description:
          type: string
          description: A detailed description of the API response.
          example: Successfully retrieved transactions
        requestId:
          type: string
          description: The unique identifier for the API request.
          example: 848AF13B-7CE7-4F85-80C0-AC2934E9E6E2
        requestTime:
          type: string
          description: The timestamp of the API request in US/Eastern timezone.
          example: '2026-05-06T12:01:50.370Z'
        data:
          $ref: '#/components/schemas/AccountTransactionResponse_data'
        status:
          type: integer
          description: The HTTP status code of the API response.
          format: int32
          example: 200
      description: Represents the response data containing the API status and additional data.
    TransactionDetail:
      type: object
      properties:
        type:
          type: string
          example: DEBIT
        description:
          type: string
          example: 'RealTime Debit SENDER REF: NOREF'
        transactionId:
          type: string
          example: '610028267902062025101290000005'
        transactionStatus:
          type: string
          example: posted
        postedDate:
          type: string
          format: date
          example: '2025-02-06'
        transactionDate:
          type: string
          format: date
          example: '2025-02-06'
        amount:
          type: number
          format: double
          example: 101
        availableBalance:
          type: number
          format: double
          example: 97548631517.07
        paymentReferenceNumber:
          type: string
          example: '25071783860405'
        commercialCode:
          type: string
          example: '165'
        memoDetails:
          type: array
          items:
            $ref: '#/components/schemas/TransactionDetail_memoDetails'
    AuthorizationHeader:
      title: JWT Access Token
      type: string
    ErrorResponse_errorDetails:
      required:
      - code
      - description
      type: object
      properties:
        code:
          maxLength: 10
          type: string
          description: This is the application error code returned by the API layer or the Implementation
            layer. A list of error codes will be provided in the user guide.
          example: IR-500
        description:
          maxLength: 250
          type: string
          description: Description of the operation's status. It will have detailed error description
            in case of any error.
          example: Internal server error.
        messageDetail:
          maxLength: 250
          type: string
          description: Details about error including stack traces. This will not be populated for any
            handled error.
          example: Your request cannot be processed.
    TransactionDetail_inner_baiMemo_memoDetails:
      type: object
      properties:
        key:
          type: string
          description: BAI [Bank Administration Institute] memo field name
          example: TRANS ID
        value:
          type: string
          description: BAI [Bank Administration Institute] memo field value
          example: US24102382804004
    TransactionDetail_inner_baiMemo:
      type: object
      properties:
        baiCode:
          type: string
          description: bai [Bank Administration Institute] code
          example: '699'
        memoDetails:
          type: array
          example:
          - key: SENDER BNK
            value: CITIZENS BANK, N.A.
          - key: SENDER ID
            value: '123400120'
          - key: SENDER REF
            value: '120606001234'
          - key: BNF NAME
            value: WIRE TRANSFER - PROCESSING
          - key: RFB(SRF)
            value: '2025060700101234'
          items:
            $ref: '#/components/schemas/TransactionDetail_inner_baiMemo_memoDetails'
    AccountTransactionResponse_data:
      type: object
      properties:
        accountNumber:
          type: string
          description: account number
          example: '6011282679'
        transactions:
          type: array
          description: 'The actual data returned in the response (Schema : TransactionDetail).'
          example:
          - type: DEBIT
            description: 'RealTime Debit SENDER REF: NOREF'
            transactionId: '610028267902062025101290000005'
            transactionStatus: POSTED
            postedDate: '2025-02-06T00:00:00.000Z'
            transactionDate: '2025-02-06T00:00:00.000Z'
            amount: 101
            availableBalance: '97548631517.07'
            paymentReferenceNumber: '25071783860405'
            commercialCode: '165'
            memoDetails:
            - memoDetail: DIRECT DEPOSIT-SSA TREAS 310 XXSOC SEC
          - type: CREDIT
            description: WIRE XFER
            transactionId: '610028267901232025101690000007'
            transactionStatus: POSTED
            postedDate: '2025-01-23T00:00:00.000Z'
            transactionDate: '2025-01-23T00:00:00.000Z'
            amount: 7.66
            availableBalance: '97546086101.17'
            wireNumber: '250627000220'
            commercialCode: '165'
            memoDetails:
            - memoDetail: 'BENEFICIARY NAME : TEST ORIG TO BNF INFO'
          items:
            $ref: '#/components/schemas/TransactionDetail'
    TransactionDetail_memoDetails:
      type: object
      properties:
        MEMO DETAIL:
          type: string
          example: DIRECT DEPOSIT-SSA TREAS 310 XXSOC SEC
  parameters:
    x-fapi-trace-id:
      name: x-fapi-trace-id
      in: header
      description: Unique request id for each request to make it traceable if needed.
      required: true
      style: simple
      schema:
        maxLength: 36
        type: string
    x-fapi-channel-id:
      name: x-fapi-channel-id
      in: header
      description: Identifier used to distinguish between different communication channels or data streams
        within a client system.
      required: false
      style: simple
      explode: false
      schema:
        maxLength: 20
        type: string
    authorization:
      name: Authorization
      in: header
      description: OAuth 2.0 Authorization Bearer Token
      required: true
      style: simple
      schema:
        $ref: '#/components/schemas/AuthorizationHeader'
      example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
  securitySchemes:
    client-id:
      type: apiKey
      name: X-IBM-Client-Id
      in: header
      x-key-type: client_id
    OAuth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://pf-fam.internal.citizensbank.com/as/token.oauth2
          scopes:
            ir:read: Access to read IR data
      x-ibm-oauth-provider: externalpingfederate
x-ibm-configuration:
  type: rest
  phase: realized
  enforced: true
  testable: true
  cors:
    enabled: true
  application-authentication:
    certificate: false
x-ibm-endpoints:
- url: https://apis.citizensbank.com/v1/information-reporting