API for bank data

You need to validate U.S. bank routing numbers and pull bank details (name, address, phone, branch type, active status) before you release payments or open new customer accounts. By the end of this guide you’ll have working requests that return verified bank data from a real, production-ready finance API on Zyla API Hub, plus a ready-to-copy Python snippet you can drop into your service today.

What you can build with this finance API

The Routing Number Bank Lookup API lets you look up a U.S. bank by its routing number and retrieve details you can trust in automation workflows. Typical consumers include payment processors, fintech onboarding flows, accounting platforms, lending systems, and back-office risk checks that must confirm institution identity ahead of an ACH transaction.

From the endpoints covered below, you’ll be able to:

• Validate a routing number and confirm whether it's recognized and active.
• Return institution details: bank name, street address, city, state, ZIP, phone, branch type, and last update date.
• Filter by payment type for ACH lookups when needed.

This API is available on Zyla API Hub, which provides one account, one API key, and one subscription model across more than 10,000 public APIs. Access is subscription + quota (not pay-per-call). For this listing, you can start a 7-day trial from the marketplace page; check the API page for current access options and pricing.

Getting started on Zyla API Hub

To try the endpoints immediately:

1. Open the API listing: Start 7-day trial on Routing Number Bank Lookup API.
2. Click Subscribe or Start Free Trial (when available) and obtain your API key.
3. Call the endpoints using the header Authorization: Bearer YOUR_API_KEY.

Every API on Zyla API Hub is accessible with the same key and subscription model. There is no Free Plan; usage is billed by subscription with quotas. Always test within your quota during integration.

Endpoints you’ll use

This listing exposes two GET endpoints. Below are the exact request URLs, methods, and required parameters.

1) Get Bank Information

Method: GET

URL: https://zylalabs.com/api/331/routing-number-bank-lookup-api/266/get-bank-information

Description: Get detailed information about a routing number. Returns institution name, ACH routing number, branch type, address, contact phone, whether the routing number is currently active, and the date of the last update.

Required query parameters:

• routingnumber (number): 121000245
• paymentType (string): ach

Official curl example (copy-paste and replace YOUR_API_KEY):

curl -s -X GET "https://zylalabs.com/api/331/routing-number-bank-lookup-api/266/get-bank-information?routingnumber=121000245&paymentType=ach" \
  -H "Authorization: Bearer YOUR_API_KEY"

Official example response:

{
    "status": "success",
    "data": {
        "routingNumber": "121000245",
        "paymentType": "ach",
        "name": "Wells Fargo Bank, Na",
        "addressFull": "255 2nd Ave South, Minneapolis, MN 55479",
        "street": "255 2nd Ave South",
        "city": "Minneapolis",
        "state": "MN",
        "zip": "55479",
        "type": "Main Office",
        "phone": "800-245-2426",
        "active": true,
        "lastUpdated": "2026-07-29"
    }
}

What you’ll actually use:

• data.routingNumber and data.paymentType: confirm you looked up the expected value for ACH.
• data.name, data.street, data.city, data.state, data.zip: display or store standardized institution identity.
• data.type: distinguish main office vs other branch types when relevant to your compliance checks.
• data.phone: customer support or manual verification fallback.
• data.active: decide if the routing number can be used for payouts/collections.
• data.lastUpdated: cache invalidation and data freshness checks.

2) Bank Data

Method: GET

URL: https://zylalabs.com/api/331/routing-number-bank-lookup-api/1353/bank-data

Description: Validate a routing number and retrieve associated institution details such as name, address, city, state, ZIP, phone, and date of revision.

Required query parameter:

• number (number): 304082876

Official curl example (copy-paste and replace YOUR_API_KEY):

Official example response:

What you’ll actually use:

• success/message: quick validation feedback for form-level checks.
• data.routing_number: the verified ABA routing number returned by the lookup.
• data.bank, data.address, data.city, data.state, data.zip: normalized fields for KYC/Payment profiles.
• data.phone: escalation or support contact if you need manual verification.
• data.date_of_revision and data.new_routing_number: handle change management in internal records.

One working example in Python

The snippet below calls the Get Bank Information endpoint and extracts the fields you’ll typically display or store.

import requests

API_KEY = "YOUR_API_KEY"
url = "https://zylalabs.com/api/331/routing-number-bank-lookup-api/266/get-bank-information"
params = {
"routingnumber": "121000245",
"paymentType": "ach"
}
headers = {
"Authorization": f"Bearer {API_KEY}"
}

resp = requests.get(url, params=params, headers=headers, timeout=10)
resp.raise_for_status()
payload = resp.json()

if payload.get("status") == "success" and "data" in payload:
data = payload["data"]
bank_record = {
"routing_number": data.get("routingNumber"),
"payment_type": data.get("paymentType"),
"name": data.get("name"),
"address": {
"street": data.get("street"),
"city": data.get("city"),
"state": data.get("state"),
"zip": data.get("zip")
},
"type": data.get("type"),
"phone": data.get("phone"),
"active": data.get("active"),
"last_updated": data.get("lastUpdated")
}
print(bank_record)
else:
# Minimal defensive handling; inspect payload for your logging
print("Lookup failed or unexpected response:", payload)

Choosing the right endpoint for your workflow

• Use Get Bank Information when you specifically need ACH context (paymentType=ach) plus explicit active status and a lastUpdated date to power compliance, payout readiness checks, or dashboards that show data freshness.
• Use Bank Data when your first priority is validating the routing number and retrieving the canonical institution name/address quickly alongside date_of_revision and potential new_routing_number for migration handling.

Production notes that save time

• Authentication: Every request must include Authorization: Bearer YOUR_API_KEY.
• Caching: Consider caching successful lookups keyed by routing number for 24 hours or based on your risk posture. Use lastUpdated/date_of_revision to inform recache intervals.
• Validation flow: You can run a lightweight check with Bank Data to validate the routing number during form entry, then call Get Bank Information server-side before executing ACH transfers to confirm active status and pull full address/phone.
• Error handling: Inspect top-level fields (e.g., status, success, message) before dereferencing data. Log unexpected shapes so you can adjust parsers without breaking flows.
• Idempotency: Routing numbers are stable identifiers; combine with bank name in your own storage to minimize accidental drift when addresses are revised.
• PII: These endpoints return institution data only (no consumer PII), which simplifies compliance reviews for many teams.

Practical use cases

• ACH payout readiness: Verify the routing number is active and belongs to the expected institution before sending credits.
• Onboarding verification: Validate and normalize institution details as users enter account data. If Bank Data indicates a new_routing_number, prompt the user to confirm updates.
• Vendor master cleansing: Standardize bank names and addresses in ERP/vendor files during nightly jobs.
• Support tooling: Show institution phone and address to support agents troubleshooting returns (R03, R04) or assisting with bank changes.

Calling this API from AI agents via MCP

If you’re orchestrating routing-number lookups from an AI coding agent or IDE assistant, you can access any Zyla API through the Model Context Protocol (MCP) endpoint. Point your MCP-compatible client (e.g., Claude Code, Cursor, Windsurf) to:

MCP

Provide your Zyla API key as the apikey query parameter. From there, configure your agent to call the exact hub URLs shown above with the Authorization header. This keeps your code generation context consistent while the agent performs the same GET requests you’d run in curl or Python.

End-to-end flow example

1. User enters a routing number on your payment form.
2. Client or edge function calls Bank Data to validate and normalize name/address.
3. Server calls Get Bank Information with paymentType=ach to confirm active status.
4. If active is true, proceed to store normalized details and continue the transfer setup; otherwise, return a clear error asking for a corrected routing number.

Troubleshooting and test strategy

• 401 or 403 responses: Check the Authorization header format and ensure your subscription is active on the listing.
• Empty or unexpected fields: Guard against missing keys and log the raw JSON for diagnostics. Use feature flags to fall back to a single endpoint if your workflow doesn’t require both.
• Test data: Use the sample routing numbers from the official examples during initial wiring to confirm your parsing and JSON pathing are correct.

FAQ

Q: What header do I need to authenticate?
A: Use Authorization: Bearer YOUR_API_KEY on every request.

Q: Is there a free plan?
A: No Free Plan. Access is subscription + quota. You can start a 7-day trial from the marketplace page; see the listing for current access options and pricing.

Q: Which endpoint should I call for ACH-specific checks?
A: Use Get Bank Information with paymentType=ach to retrieve ACH-context details including active status and lastUpdated.

Q: Can I validate a routing number quickly during user input?
A: Yes. Call the Bank Data endpoint to validate and fetch normalized institution details and date_of_revision.

Q: How do I use this API from an AI agent?
A: Configure your MCP-compatible client to use the Zyla MCP endpoint, then have the agent call the hub URLs shown above with your Authorization header and required query parameters.

Ship your routing-number integration now: open the listing and start the 7-day trial to get an API key and call the endpoints shown above: Start 7-day trial on Routing Number Bank Lookup API.