> ## Documentation Index > Fetch the complete documentation index at: https://docs.mx.com/llms.txt > Use this file to discover all available pages before exploring further. # Create manual accounts > Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed. This endpoint accepts the optional `MX-Skip-Webhook` header and `skip_webhook parameter`. ## OpenAPI ````yaml openapi/nexus/v1.yaml POST /accounts openapi: 3.0.0 info: contact: name: Nexus API url: https://www.mx.com version: 1.0.0 title: Nexus API description: >- Legacy clients can use Nexus API for all their connectivity needs. If you are a new client refer to our Platform API. Review our [Nexus API Guides](/nexus) for more information. servers: - url: https://int-data.moneydesktop.com/ - url: https://data.moneydesktop.com/ security: - sessionToken: [] tags: - name: accounts - name: beats - name: budgets - name: categories - name: extended transaction history - name: goals - name: holdings - name: identity - name: insights - name: institutions - name: jobs - name: member credentials - name: members - name: merchants - name: microdeposits - name: monthly cash flow profile - name: notifications - name: scheduled payments - name: sessions - name: spending plan - name: taggings - name: tags - name: transaction rules - name: transactions - name: user - name: verification paths: /accounts: post: tags: - accounts summary: Create manual accounts description: >- Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed. This endpoint accepts the optional `MX-Skip-Webhook` header and `skip_webhook parameter`. operationId: createManualAccounts parameters: - in: header name: MD-SESSION-TOKEN schema: type: string required: true requestBody: required: true content: application/vnd.mx.nexus.v1+json: schema: $ref: '#/components/schemas/AccountCreateRequestBody' responses: '200': description: OK content: application/vnd.mx.nexus.v1+json: schema: $ref: '#/components/schemas/AccountResponseBody' components: schemas: AccountCreateRequestBody: properties: account: $ref: '#/components/schemas/AccountCreateRequest' type: object AccountResponseBody: properties: account: $ref: '#/components/schemas/AccountResponse' type: object AccountCreateRequest: properties: account_type_name: description: >- The name of the account type. Either `account_type_name` or `account_type` is required but not both. example: PROPERTY type: string account_type: description: >- Account type of the account. Either `account_type` or `account_type_name` is required but not both. example: PROPERTY type: string account_subtype_name: description: The name of the account subtype. example: PERSONAL type: string available_balance: description: Available balance of the account. example: 1000 type: number apr: description: >- Annual Percentage Rate (e.g. 2.99% is passed as 2.99). Max length is 10,6. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1 type: number apy: description: >- Annual Percentage Yield (e.g. 2.99% is passed as 2.99). Max length is 10,6. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1 type: number balance: description: The available amount in the account. example: 1000 type: number cash_surrender_value: description: >- The sum of money paid to the policyholder or annuity holder in the event the policy is voluntarily terminated before it matures, or the insured event occurs. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1000 type: number credit_limit: description: The credit limit of the account. example: 100 type: number currency_code: description: The ISO 4217 three-character currency code. example: USD type: string death_benefit: description: >- Amount paid to the beneficiary of the account upon death of the account owner. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1000 type: integer interest_rate: description: >- Interest rate (e.g. 2.99% is passed as 2.99). Max length is 10,6. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1 type: number is_closed: description: Marks the account as closed. example: false type: boolean is_hidden: description: Determines if the account's data is excluded. example: false type: boolean loan_amount: description: >- Amount of the loan. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#number-limits). example: 1000 type: number metadata: description: Additional information a partner can store on the account. example: some metadata type: string name: description: The name for the account. example: Checking type: string nickname: description: >- The Nickname is an alternate name for the account. This value is visible to the user and must be human-readable. example: Swiss Account type: string original_balance: description: The original balance of the account. example: 10 type: number property_type: description: >- Subtype if the account type is PROPERTY. This field should be ignored unless the `account_type` is set to PROPERTY. example: VEHICLE type: string property_type_name: description: >- Subtype name if the account type is PROPERTY. This field should be ignored unless the `account_type` is set to PROPERTY. example: VEHICLE type: string skip_webhook: example: true type: boolean required: - account_type_name - account_type - name type: object AccountResponse: properties: account_number: type: string example: '4921710685' description: The account number, as provided by our data feed. account_number_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. account_number_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. account_subtype: type: integer example: null description: The integer value of the account subtype. account_subtype_name: type: string example: null description: >- The account subtype (for example, PLAN_401_K, MONEY_MARKET, or HOME_EQUITY). account_subtype_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. account_subtype_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. account_type: type: integer example: 1 description: The integer value of the account type. account_type_name: type: string example: CHECKING description: The account type (for example, CHECKING, SAVINGS, CREDIT_CARD). account_type_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. account_type_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. apr: type: number example: null apr_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. apr_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. apy: type: number example: null apy_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. apy_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. available_balance: type: integer example: 500000 description: >- The balance that is available for use in asset accounts like checking and savings. `PENDING` transactions are typically taken into account with the available balance, but this may not always be the case. `available_balance` will usually be a positive value for all account types, determined in the same way as the `balance` field. available_balance_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. available_balance_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. available_credit: type: number example: null description: >- The amount of credit available for the account. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). available_credit_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. available_credit_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. balance: type: integer example: 500000 description: >- The current balance of the account. `PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case. This is the value used for the account balance displayed in MX UIs. The balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft. Debt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid. balance_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. balance_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. calculated_apr: type: number example: null cash_balance: type: number example: null description: >- The total cash balance for brokerage and investment accounts. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). cash_balance_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. cash_balance_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. cash_surrender_value: type: number example: null description: >- The cash surrender value for the account. Applies primarily to insurance account types. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). cash_surrender_value_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. cash_surrender_value_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. created_at: type: string example: '2020-09-21T19:43:44+00:00' description: >- Date and time the account was created, represented in ISO 8601 format with timestamp (for example, 2015-04-13T12:01:23-00:00). credit_limit: type: number example: null description: The credit limit of the account. credit_limit_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. credit_limit_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. currency_code: type: string example: null description: >- The currency code associated with the account (for example, USD, EUR). currency_code_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. currency_code_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. day_payment_is_due: type: integer example: 12 description: The day of the month the payment is due. day_payment_is_due_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. day_payment_is_due_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. death_benefit: type: integer example: null description: >- The death benefit amount for the account. Applies primarily to insurance account types. death_benefit_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. death_benefit_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. external_guid: type: string example: '23445745' feed_account_number: type: string example: '4921710685' description: The account number, as provided by our data feed. feed_account_subtype: type: integer example: null feed_account_subtype_name: type: string example: null feed_account_type: type: integer example: 1 feed_account_type_name: type: string example: CHECKING feed_apr: type: number example: null feed_apy: type: number example: null feed_available_balance: type: integer example: 500000 feed_balance: type: integer example: 500000 feed_cash_balance: type: number example: null feed_cash_surrender_value: type: number example: null feed_credit_limit: type: number example: null feed_currency_code: type: string example: null feed_day_payment_is_due: type: integer example: 12 feed_death_benefit: type: integer example: null feed_holdings_value: type: number example: null feed_interest_rate: type: number example: null feed_is_closed: type: boolean example: null feed_last_payment: type: number example: null feed_last_payment_at: type: string example: null feed_loan_amount: type: number example: null feed_matures_on: type: string example: null feed_minimum_balance: type: number example: null feed_minimum_payment: type: number example: null feed_name: type: string example: Checking description: The name of the account, as provided by our data feed. feed_nickname: type: string example: null feed_original_balance: type: number example: null description: >- The original balance, as provided by our data feed. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). feed_payment_due_at: type: string example: '2021-05-12T16:01:00+00:00' description: >- Date and time the payment is due at, as provided by our data feed. Represented in ISO 8601 format with timestamp (e.g. 2015-04-13T12:01:23-00:00). feed_payoff_balance: type: number example: null description: >- The payoff balance, as provided by our data feed. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). feed_routing_number: type: string example: null description: >- The routing number, as provided by our data feed. See routing_number for more information. feed_started_on: type: string example: null description: >- The started on date, as provided by our data feed. Represented in ISO 8601 format (e.g. 2011-03-28). feed_statement_balance: type: number example: null description: >- The account statement balance, as provided by our data feed. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). feed_total_account_value: type: number example: null description: >- The sum of the long and short positions, the sweep account and/or cash balance, and any margin debt associated with a particular account. This amount includes the market value of all positions held in the account and is reduced by any debit balance and the amount of short options positions that are "in the money". This may sum to a negative value, and it does not represent an account balance. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). guid: type: string example: ACT-8e6f92c8-1491-42ce-8bf6-c309e9531530 description: Unique identifier for the account. Defined by MX. holdings_value: type: number example: null description: The value of holdings with this account. holdings_value_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. holdings_value_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. institution_guid: type: string example: INS-1572a04c-912b-59bf-5841-332c7dfafaef description: >- Unique identifier for the institution the account is attached to. Defined by MX. insured_name: type: string example: null description: The name of the insured individual. interest_rate: type: number example: null description: >- Interest rate (e.g. 2.99% is passed as 2.99). Max length is 10,6. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). interest_rate_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. interest_rate_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. is_business: type: boolean example: false is_closed: type: boolean example: false description: >- If an account is closed, this field will be true. Otherwise, this field will be false. is_closed_set_by: description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. type: integer example: 3 is_closed_set_by_name: description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. type: string example: SYSTEM is_hidden: type: boolean example: false description: >- If an account is hidden, this field will be true. Otherwise, this field will be false. All linked transactions will be hidden as well. is_manual: type: boolean example: false description: >- If an account was manually created, this field will be true. Otherwise, this field will be false. last_payment: type: number example: null description: >- Amount of the account's last payment. Max length is 10,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). last_payment_at: type: string example: null description: >- Date and time the account's last payment was applied, represented in ISO 8601 format with timestamp (e.g. 2015-04-13T12:01:23-00:00). last_payment_at_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. last_payment_at_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. last_payment_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. last_payment_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. loan_amount: type: number example: null description: >- Amount of the loan. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). loan_amount_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. loan_amount_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. matures_on: type: string example: null description: >- Maturity date. Represented in ISO 8601 format (for example, 2011-03-28). matures_on_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. matures_on_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. member_guid: description: >- Unique identifier for the member the account is attached to. Defined by MX. type: string example: MBR-84ca0882-ad6c-4f10-817f-c8c0de7424fa member_is_managed_by_user: description: >- If the member the account belongs to is managed by the user, this field will be true. Otherwise, the member is managed by the MX partner and this field will be false. type: boolean example: true metadata: description: Additional information a partner can store on the account. type: string example: null minimum_balance: description: >- The minimum balance allowed. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). type: number example: null minimum_balance_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. minimum_balance_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. minimum_payment: type: number example: null description: >- Minimum payment amount. Max length is 10,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). minimum_payment_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. minimum_payment_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. name: type: string example: Checking description: The name of the account. name_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. name_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. nickname: type: string example: null description: >- The nickname is an alternate name for the account. This value is visible to the user and must be human-readable. nickname_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. nickname_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. original_balance: type: number example: null description: >- The original balance of the account. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). original_balance_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. original_balance_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. pay_out_amount: description: The payout amount for insurance accounts. type: string example: null payment_due_at: type: string example: '2021-05-12T16:01:00+00:00' description: >- Date and time the payment is due. Represented in ISO 8601 format with timestamp (e.g. 2015-04-13T12:01:23-00:00). payment_due_at_set_by: type: integer example: 1 description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. payment_due_at_set_by_name: type: string example: FEED description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. payoff_balance: type: number example: null description: >- The payoff balance of the account. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). payoff_balance_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. payoff_balance_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. premium_amount: description: The premium amount for insurance accounts. type: string example: null property_type: description: >- The integer value of the property type. See Property Types for more information. type: integer example: null property_type_name: description: >- The property type name (for example, REAL_ESTATE, VEHICLE). See Property Types for more information. type: string example: null revision: description: The revision number of this account record. type: integer example: 648 routing_number: description: The routing number for the account. type: string example: null started_on: type: string example: null description: >- The started on date. Represented in ISO 8601 format (for example, 2011-03-28). started_on_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. started_on_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. statement_balance: type: number example: null description: >- The account statement balance. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). statement_balance_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. statement_balance_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. total_account_value: type: number example: null description: >- The sum of the long and short positions, the sweep account and/or cash balance, and any margin debt associated with a particular account. This amount includes the market value of all positions held in the account and is reduced by any debit balance and the amount of short options positions that are "in the money". This may sum to a negative value, and it does not represent an account balance. Max length is 14,2. See [Number Limits](/api-reference/nexus/overview/#numbers-limits). total_account_value_set_by: type: integer example: null description: >- The source that set the data (1 = FEED, 2 = USER, 3 = SYSTEM). See Account Set By for more information. total_account_value_set_by_name: type: string example: null description: >- The source that set the data (FEED, USER, or SYSTEM). See Account Set By for more information. updated_at: type: string example: '2022-06-14T21:17:09+00:00' description: >- Date and time the account was last updated, represented in ISO 8601 format with timestamp (e.g. 2015-04-13T12:01:23-00:00). user_guid: description: >- Unique identifier for the user the account is attached to. Defined by MX. type: string example: USR-11141024-90b3-1bce-cac9-c06ced52ab4c type: object securitySchemes: sessionToken: description: > ### MX Session Token - Request an API token using the read API token endpoint in the MX SSO API. - Exchange an API token for a session token. - A session token is obtained by sending a POST request to /sessions - The session token will be used in each request made for the user. It should be passed in an `MD-SESSION-TOKEN` HTTP header as shown below. - This session token is valid for 30 minutes from the time it was created. The 30 minute expiration counter is refreshed with each call. - If you send a request with an expired session token you'll receive an error code of `4011`. ``` curl -i https://int-data.moneydesktop.com/accounts \ -H 'MD-SESSION-TOKEN: CWforZl1Vn2vC_v6H4rnQRT1DoWpDouJAV-_5TBmiQRAtA8rsOG_BoajTiOSsL0A3bd-bmHXlA-eQzc9ywItKg' \ -H 'Content-Type: application/vnd.mx.nexus.v1+json' \ -H 'Accept: application/vnd.mx.nexus.v1+json' ``` In documentation code examples, replace `` with the session token. type: apiKey name: MD-SESSION-TOKEN in: header ````