curl --request POST \
--url https://api.trycherry.ai/v1/bank-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"institutionName": "First Community Bank",
"accounts": [
{
"externalId": "checking-1234",
"name": "Business Checking ••1234",
"currency": "USD",
"kind": "checking",
"openingBalance": 18250.75,
"openingBalanceDate": "2026-01-01"
}
]
}
'import requests
url = "https://api.trycherry.ai/v1/bank-accounts"
payload = {
"institutionName": "First Community Bank",
"accounts": [
{
"externalId": "checking-1234",
"name": "Business Checking ••1234",
"currency": "USD",
"kind": "checking",
"openingBalance": 18250.75,
"openingBalanceDate": "2026-01-01"
}
]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
institutionName: 'First Community Bank',
accounts: [
{
externalId: 'checking-1234',
name: 'Business Checking ••1234',
currency: 'USD',
kind: 'checking',
openingBalance: 18250.75,
openingBalanceDate: '2026-01-01'
}
]
})
};
fetch('https://api.trycherry.ai/v1/bank-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.trycherry.ai/v1/bank-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'institutionName' => 'First Community Bank',
'accounts' => [
[
'externalId' => 'checking-1234',
'name' => 'Business Checking ••1234',
'currency' => 'USD',
'kind' => 'checking',
'openingBalance' => 18250.75,
'openingBalanceDate' => '2026-01-01'
]
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.trycherry.ai/v1/bank-accounts"
payload := strings.NewReader("{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.trycherry.ai/v1/bank-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.trycherry.ai/v1/bank-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}"
response = http.request(request)
puts response.read_body{
"data": {
"itemId": "manual:11111111-1111-1111-1111-111111111111:first-community-bank",
"accounts": [
{
"externalId": "checking-1234",
"bankAccountId": "22222222-2222-2222-2222-222222222222",
"ledgerMapped": true
}
]
}
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}Create a manual bank institution + accounts (write scope)
Create (or idempotently update) a manual bank institution and its accounts — the first step of the no-Plaid flow: create accounts here, then push their transactions through POST /transactions using the same institutionName and each account’s externalId.
Idempotent per (institution, account externalId): re-posting the same institution upserts onto the same synthetic bank item, and accounts absent from a later POST are left in place. An institution stays pinned to the entity it was first created under; posting it with a different entityId is a 409 conflict.
Declare openingBalance (+ openingBalanceDate) so the books start from the real balance — Cherry posts it to the General Ledger and rolls it forward as transactions arrive. New accounts are auto-mapped to ledger accounts by kind (ledgerMapped in the response says whether that succeeded). Requires the write scope.
curl --request POST \
--url https://api.trycherry.ai/v1/bank-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"institutionName": "First Community Bank",
"accounts": [
{
"externalId": "checking-1234",
"name": "Business Checking ••1234",
"currency": "USD",
"kind": "checking",
"openingBalance": 18250.75,
"openingBalanceDate": "2026-01-01"
}
]
}
'import requests
url = "https://api.trycherry.ai/v1/bank-accounts"
payload = {
"institutionName": "First Community Bank",
"accounts": [
{
"externalId": "checking-1234",
"name": "Business Checking ••1234",
"currency": "USD",
"kind": "checking",
"openingBalance": 18250.75,
"openingBalanceDate": "2026-01-01"
}
]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
institutionName: 'First Community Bank',
accounts: [
{
externalId: 'checking-1234',
name: 'Business Checking ••1234',
currency: 'USD',
kind: 'checking',
openingBalance: 18250.75,
openingBalanceDate: '2026-01-01'
}
]
})
};
fetch('https://api.trycherry.ai/v1/bank-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.trycherry.ai/v1/bank-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'institutionName' => 'First Community Bank',
'accounts' => [
[
'externalId' => 'checking-1234',
'name' => 'Business Checking ••1234',
'currency' => 'USD',
'kind' => 'checking',
'openingBalance' => 18250.75,
'openingBalanceDate' => '2026-01-01'
]
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.trycherry.ai/v1/bank-accounts"
payload := strings.NewReader("{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.trycherry.ai/v1/bank-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.trycherry.ai/v1/bank-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"institutionName\": \"First Community Bank\",\n \"accounts\": [\n {\n \"externalId\": \"checking-1234\",\n \"name\": \"Business Checking ••1234\",\n \"currency\": \"USD\",\n \"kind\": \"checking\",\n \"openingBalance\": 18250.75,\n \"openingBalanceDate\": \"2026-01-01\"\n }\n ]\n}"
response = http.request(request)
puts response.read_body{
"data": {
"itemId": "manual:11111111-1111-1111-1111-111111111111:first-community-bank",
"accounts": [
{
"externalId": "checking-1234",
"bankAccountId": "22222222-2222-2222-2222-222222222222",
"ledgerMapped": true
}
]
}
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}{
"error": "<string>",
"reason": "<string>"
}Authorizations
Cherry API key, created in the app. Sent as Authorization: Bearer ck_live_….
Body
Display name of the bank — also the key you pass to POST /transactions.
1 - 801 - 20 elementsShow child attributes
Show child attributes
Legal entity to attach the institution to (UUID from GET /entities). Defaults to the tenant's primary entity.
Response
The created (or updated) institution and its accounts
Show child attributes
Show child attributes