Savers Bank Mobile Banking API & OpenBanking integration

1. Accounting & reconciliation sync

A small business banking with Savers Bank pulls daily transaction lines and cleared-check images into QuickBooks Online, Xero or NetSuite. The integration uses the /accounts, /accounts/{id}/transactions and /checks/{id}/image endpoints we expose, mapped to FDX Transaction and Statement resources. We typically run a nightly sync plus an on-demand refresh button so finance teams stop re-keying memos.

2. PFM and household dashboards

A regional fintech aggregates Savers Bank checking, savings and loan accounts inside a Plaid- or MX-style household view. Because Savers Bank uses MX as a connectivity partner on its consumer site, our delivery includes both a direct mobile-protocol connector and an MX-fallback layer, so connection success rates stay above 95% even when one path degrades.

3. Lending & cash-flow underwriting

A lender ingests 12 to 24 months of transaction history, paystub-like recurring credits, and overdraft frequency to underwrite a personal or small-business loan. We package this as a one-off statement export plus an ongoing /cashflow endpoint that returns derived KPIs (income volatility, NSF count, average daily balance), modelled on FDX 6.x payroll/income extensions.

4. Real-time card & alert webhooks

For a fraud-monitoring product, we expose card state changes (Mobiliti / CardValet enable/disable), large-transaction alerts and login push notifications as webhooks. Each event is signed with HMAC-SHA256 so downstream services can trust it without re-querying the bank, and replays are idempotent thanks to a deterministic event_id.

5. Mobile Deposit pipeline for marketplaces

An invoicing / marketplace platform lets sellers submit checks once and have the image flow into Savers Bank's Mobile Deposit endpoint while keeping a copy in S3 for the seller's records. The same flow surfaces Deposit History so the platform can reflect "deposited / on hold / cleared" states inside its own UI.

Authorize a user (token bind)

// POST /api/v1/saversbank/auth/login
// Mirrors the Mobile Banking app's MFA + biometric flow.
POST /api/v1/saversbank/auth/login
Content-Type: application/json

{
  "username": "user@example.com",
  "password": "<encrypted>",
  "device_id": "8f31...c4",
  "biometric_token": "<optional Face ID / Touch ID>"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_9b2c...",
  "expires_in": 1800,
  "scopes": ["accounts:read","transactions:read","deposit:write"],
  "fdx_consent_id": "cnsnt_4f2a..."
}

Statement & transaction query (FDX-shaped)

// GET FDX-aligned transactions for a deposit account
GET /api/v1/saversbank/accounts/{accountId}/transactions
  ?fromDate=2026-02-01&toDate=2026-04-30&page=1
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "page": 1, "pageSize": 50, "total": 187,
  "transactions": [
    {
      "transactionId": "txn_01HW...",
      "postedTimestamp": "2026-04-22T13:11:08Z",
      "amount": -42.17,
      "currency": "USD",
      "description": "POS PURCHASE - SHELL #4421",
      "category": "Fuel",
      "status": "POSTED",
      "checkNumber": null,
      "memo": ""
    }
  ]
}

Mobile Deposit submission & webhook

// POST a check image (front/back) for Mobile Deposit
POST /api/v1/saversbank/deposits
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: multipart/form-data

front=@check_front.jpg
back=@check_back.jpg
amount=1250.00
account_id=acct_8821

// Webhook delivered when the deposit clears or is held:
POST https://your-app.example.com/webhooks/saversbank
X-Saversbank-Signature: t=1714660000,v1=2c7a...
{
  "event_id": "evt_01HW...",
  "type": "deposit.cleared",
  "deposit_id": "dep_01HW...",
  "amount": 1250.00,
  "account_id": "acct_8821",
  "cleared_at": "2026-04-23T15:02:11Z"
}

Regulatory framing

We work under written customer authorization or documented public/authorized APIs only. Savers Bank operates in Massachusetts, so US federal and state rules apply: the CFPB's Section 1033 personal financial data rights rule (finalised October 2024 and currently in 2025 reconsideration), the Gramm-Leach-Bliley Act for safeguarding customer information, FFIEC authentication guidance, and Massachusetts 201 CMR 17.00 for written information security programs. Where a third-party data aggregator is involved we follow FDX scopes, durations and revocation semantics.

Privacy controls baked in

• Scoped, time-limited consent records keyed by fdx_consent_id
• Data minimisation — pull only the fields the use case needs
• End-to-end TLS 1.2+ and HMAC-signed webhooks
• Audit logs persisted for the regulatory minimum (typically 5 years)
• Right-to-revoke endpoint that invalidates tokens within 60 seconds
• NDA + DPA templates available for enterprise engagements

Deliverables checklist

• OpenAPI 3.1 / Swagger specification covering accounts, transactions, deposits, transfers, bill pay
• Protocol and auth flow report (token chain, MFA paths, biometric reuse)
• Runnable source for login, balance, transactions, and mobile-deposit endpoints (Python and Node.js, Go on request)
• Postman collection + sandbox harness with mocked responses
• Webhook signing utilities and replay test suite
• Compliance guidance (CFPB Section 1033, GLBA, FDX consent records, Massachusetts 201 CMR 17.00)

Engagement workflow

1. Scope confirmation: needed data types, frequency, write actions (deposit, bill pay).
2. Protocol analysis & API design — typically 2 to 5 business days.
3. Build and internal validation against a sandbox account — 3 to 8 business days.
4. Docs, samples, test cases, and signed handoff package — 1 to 2 business days.
5. Optional ongoing maintenance retainer for upstream changes (e.g. core upgrade cutover).

Who we are

OpenFinance Lab is an independent technical studio focused on App interface integration and authorized API integration. Team members come from banks, payment networks, mobile-protocol research and cloud security; we ship production code rather than slide decks. We have spent the 2024–2026 cycle tracking the FDX 6.x line, the CFPB's Section 1033 final rule and its 2025 reconsideration, and the rise of FDX-aligned API traffic to roughly 114 million customer connections — so the integrations we deliver are aimed at where the standard is going, not just where it sits today.

• Banking, lending, insurtech and cross-border clearing experience
• Custom Python / Node.js / Go SDKs and test harnesses
• Source-code delivery from $300 — pay after delivery upon satisfaction
• Pay-per-call hosted API option — usage-based billing, no upfront fee

Contact

Send your target app, the data types you need (e.g. transactions, balances, mobile deposit), volumes, and any sandbox or production credentials you can share. We reply with a scoped quote and a delivery plan within one business day.

Contact page