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Deposit Account Control Agreement

DACA (Deposit Account Control Agreement) is a legal agreement that an account holder enters into, granting a third party control of a certain deposit account and the funds in it, under certain conditions. Unit supports that structure by providing 3 endpoints:

  1. Enter DACA: Indicates that a certain deposit account is subject to a Deposit Account Control Agreement.
  2. Activate DACA: Activates the Deposit Account Control Agreement, by removing the end-customer's access to the account (freezes cards, automatically returns received ACH debits). The only way to access the accounts and initiate any activity would be using an org API token.
  3. Deactivate DACA: Re-enables the customer's access to the account. Unfreezes the cards, re-enables received ACH debits.
note

The DACA functionality is not enabled by default, as it has significant compliance implications. Please contact Unit to enable this functionality.

Enter Control Agreement#

Set an account with DACA Entered status.

note

Setting an account with DACA Entered will not affect the account. It only means that DACA can be activated for this account in the future.

VerbPOST
Urlhttps://api.s.unit.sh/accounts/:accountId/enter-daca
Required Scopeaccounts-write

Response#

Response is a JSON:API document.

200 OK#

FieldTypeDescription
dataDepositAccountDeposit Account resource.
curl -X POST 'https://api.s.unit.sh/accounts/10000/enter-daca'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{}'

Activate Control Agreement#

Set an account with DACA Activated status. This action will:

  1. Freeze all account's cards
  2. Incoming Debit ACH payments will be returned with NonTransactionAccount Reason.
note

Activating a DACA will only work for accounts that have previously entered a DACA by making an API call.

caution

Restrictions on the account's customer except the ones mentioned above will be your responsibility, as all other activity goes through your business logic prior to reaching Unit.

VerbPOST
Urlhttps://api.s.unit.sh/accounts/:accountId/activate-daca
Required Scopeaccounts-write

Response#

Response is a JSON:API document.

200 OK#

FieldTypeDescription
dataDepositAccountDeposit Account resource.
curl -X POST 'https://api.s.unit.sh/accounts/10000/activate-daca'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{}'

Deactivate Control Agreement#

Deactivate an account with DACA Activated status. This action will:

  1. Return account to Entered status
  2. Unfreeze all account's cards that were frozen due to DACA.
  3. The restriction on incoming debit ACH payments will be removed.
caution

Removing restrictions on the account's customer except the ones mentioned above will be your responsibility.

VerbPOST
Urlhttps://api.s.unit.sh/accounts/:accountId/deactivate-daca
Required Scopeaccounts-write

Response#

Response is a JSON:API document.

200 OK#

FieldTypeDescription2
dataDepositAccountDeposit Account resource.
curl -X POST 'https://api.s.unit.sh/accounts/10000/deactivate-daca'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{}'