aid: customers-bank url: https://raw.githubusercontent.com/api-evangelist/customers-bank/refs/heads/main/apis.yml name: Customers Bank kind: company description: Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial bank and the principal subsidiary of Customers Bancorp, Inc. (NYSE CUBI), a super-regional bank holding company with roughly $22 billion in assets headquartered in West Reading, Pennsylvania. Beyond traditional commercial and consumer banking it operates a national embedded-banking / Banking-as-a-Service platform, exposing a first-party, OAuth2-secured REST API surface (accounts, ACH, wires, instant payments, book transfers, consumer lending, plus partner, IT-operations and webhook management) to fintech and corporate partners through a public ReadMe developer portal at cubiapi.readme.io, complete with a hosted Model Context Protocol (MCP) server for AI agents. This is proprietary, partner-gated integration infrastructure rather than an FDX or CFPB Section 1033 consumer-permissioned data-sharing API; no FDX-conformant or Section 1033 data-access endpoint is publicly documented, and the surface is a sandbox-first partner API secured by OAuth2 client-credentials with HMAC-signed webhooks. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - United States - Banking-as-a-Service - Embedded Finance - Payments - Commercial Banking created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: customers-bank:customers-bank-accounts-api name: Customers Bank Accounts API description: First-party embedded-banking Accounts API for listing accounts, retrieving account and subaccount detail, searching transactions, managing tags and account entitlements, and downloading account data. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/accounts-3 baseURL: https://cubi-sandbox-api.customersbank.com/accounts/v1 tags: - Accounts - Subaccounts - Transactions properties: - type: OpenAPI url: openapi/customers-bank-accounts-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/accounts-3 - type: APIReference url: https://cubiapi.readme.io/reference/get - type: Overlay url: overlays/customers-bank-accounts-overlay.yaml - aid: customers-bank:customers-bank-ach-api name: Customers Bank ACH API description: ACH payment origination and management API for the Customers Bank embedded-banking platform. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/reference baseURL: https://cubi-sandbox-api.customersbank.com/ach/v1 tags: - ACH - Payments properties: - type: OpenAPI url: openapi/customers-bank-ach-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/getting-started - type: APIReference url: https://cubiapi.readme.io/reference - type: Overlay url: overlays/customers-bank-ach-overlay.yaml - aid: customers-bank:customers-bank-consumer-lending-api name: Customers Bank Consumer Lending API description: Consumer Lending API for creating and searching loan applications, retrieving program (policy) details, and originating, funding, completing and cancelling loans. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/loan-application baseURL: https://cubi-sandbox-api.customersbank.com/consumerlending/v1 tags: - Consumer Lending - Loans properties: - type: OpenAPI url: openapi/customers-bank-consumerlending-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/loan-application - type: APIReference url: https://cubiapi.readme.io/reference/post-application - type: Overlay url: overlays/customers-bank-consumerlending-overlay.yaml - aid: customers-bank:customers-bank-instant-payments-api name: Customers Bank Instant Payments API description: Instant Payments API for real-time payment origination and management on the Customers Bank platform. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/reference baseURL: https://cubi-sandbox-api.customersbank.com/InstantPayments/v1 tags: - Instant Payments - Real-Time Payments properties: - type: OpenAPI url: openapi/customers-bank-instantpayments-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/getting-started - type: APIReference url: https://cubiapi.readme.io/reference - type: Overlay url: overlays/customers-bank-instantpayments-overlay.yaml - aid: customers-bank:customers-bank-it-operations-api name: Customers Bank IT Operations API description: IT Operations / reference-data API providing bank lookups (ABA, BIC), correspondent (SSI) instructions across payment rails, and WebPubSub client access. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/reference baseURL: https://cubi-sandbox-api.customersbank.com/itoperations/v1 tags: - Reference Data - Bank Lookup properties: - type: OpenAPI url: openapi/customers-bank-itoperations-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/getting-started - type: APIReference url: https://cubiapi.readme.io/reference/get-banks-1 - type: Overlay url: overlays/customers-bank-itoperations-overlay.yaml - aid: customers-bank:customers-bank-partners-api name: Customers Bank Partners API description: Partner-administration API for managing partners, users, customers, messages, API credentials and client credentials (M2M application registration) on the embedded-banking platform. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/partners-1 baseURL: https://cubi-sandbox-api.customersbank.com/partners/v1 tags: - Partners - Users - Credentials properties: - type: OpenAPI url: openapi/customers-bank-partners-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/partners-1 - type: APIReference url: https://cubiapi.readme.io/reference/post-customers - type: Overlay url: overlays/customers-bank-partners-overlay.yaml - aid: customers-bank:customers-bank-security-api name: Customers Bank Security API description: OAuth2 token/security API. Issues bearer access tokens via the client-credentials grant for machine-to-machine access to all Customers Bank embedded-banking APIs. OpenAPI 3.0.1. humanURL: https://cubiapi.readme.io/docs/authenticate-1 baseURL: https://cubi-sandbox-api.customersbank.com/security/v1 tags: - Security - OAuth2 - Authentication properties: - type: OpenAPI url: openapi/customers-bank-security-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/authenticate-1 - type: APIReference url: https://cubiapi.readme.io/reference/post-oauth2-token - type: Overlay url: overlays/customers-bank-security-overlay.yaml - aid: customers-bank:customers-bank-transfers-api name: Customers Bank Transfers API description: Transfers API covering book transfers, address-book payee management and approvals, account-link settings, instant-transfer approvals, and account entitlements. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/book-transfers baseURL: https://cubi-sandbox-api.customersbank.com/transfers/v1 tags: - Transfers - Address Book - Entitlements properties: - type: OpenAPI url: openapi/customers-bank-transfers-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/book-transfers - type: APIReference url: https://cubiapi.readme.io/reference/get-addressbook-entries - type: Overlay url: overlays/customers-bank-transfers-overlay.yaml - aid: customers-bank:customers-bank-webhooks-api name: Customers Bank Webhooks API description: Webhooks API for subscribing to platform event types, delivering signed event payloads (HMAC signature validation), and managing webhook IP allowlists. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/webhooks-1 baseURL: https://cubi-sandbox-api.customersbank.com/webhooks/v1 tags: - Webhooks - Events properties: - type: OpenAPI url: openapi/customers-bank-webhooks-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/webhooks-1 - type: APIReference url: https://cubiapi.readme.io/reference - type: Overlay url: overlays/customers-bank-webhooks-overlay.yaml - aid: customers-bank:customers-bank-wires-api name: Customers Bank Wires API description: Wires API (v2) for originating and managing incoming and outgoing wire transfers, retrieving purpose and reference-data codes, and managing wire account entitlements. OpenAPI 3.0.1, OAuth2 client-credentials. humanURL: https://cubiapi.readme.io/docs/outgoing-wires baseURL: https://cubi-sandbox-api.customersbank.com/Wires/v2 tags: - Wires - Payments properties: - type: OpenAPI url: openapi/customers-bank-wires-openapi.json - type: Documentation url: https://cubiapi.readme.io/docs/outgoing-wires - type: APIReference url: https://cubiapi.readme.io/reference - type: Overlay url: overlays/customers-bank-wires-overlay.yaml common: - type: AgenticAccess url: agentic-access/customers-bank-agentic-access.yml - type: DomainSecurity url: security/customers-bank-domain-security.yml - type: Website url: https://www.customersbank.com - type: DeveloperPortal url: https://cubiapi.readme.io - type: Documentation url: https://cubiapi.readme.io/docs/getting-started - type: MCP url: https://cubiapi.readme.io/mcp - type: MCPServer url: mcp/customers-bank-mcp.yml - type: ToolCrosswalk url: mcp/customers-bank-tool-crosswalk.yml - type: GitHubOrganization url: https://github.com/CustomersBank - type: LinkedIn url: https://www.linkedin.com/company/customers-bank - type: GettingStarted url: https://cubiapi.readme.io/docs/getting-started - type: APIReference url: https://cubiapi.readme.io/reference - type: Authentication url: authentication/customers-bank-authentication.yml - type: Conventions url: conventions/customers-bank-conventions.yml - type: Idempotency url: conventions/customers-bank-conventions.yml - type: ErrorCatalog url: errors/customers-bank-problem-types.yml - type: Conformance url: conformance/customers-bank-conformance.yml - type: Lifecycle url: lifecycle/customers-bank-lifecycle.yml - type: ChangeLog url: changelog/customers-bank-changelog.yml - type: Sandbox url: sandbox/customers-bank-sandbox.yml - type: Webhooks url: asyncapi/customers-bank-webhooks.yml - type: DataModel url: data-model/customers-bank-data-model.yml - type: LLMsTxt url: llms/customers-bank-llms.txt - type: AgentSkill url: skills/_index.yml - type: PrivacyPolicy url: https://www.customersbank.com/privacy-policy/ - type: TermsOfService url: https://www.customersbank.com/terms-of-use/ maintainers: - FN: Kin Lane email: kin@apievangelist.com