Sibley State Bank API integration services (OpenBanking)

Technical implementation: statement query

// Fetch posted & pending transactions for one account
POST /api/v1/sibley/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>
Idempotency-Key: 8e3c-...-2f17

{
  "account_id": "acct_8451",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "include":   ["posted","pending","check_images"],
  "page_size": 200
}

200 OK
{
  "account_id": "acct_8451",
  "available_balance": 4823.17,
  "currency": "USD",
  "transactions": [
    {"id":"tx_001","date":"2026-04-29","amount":-42.18,
     "type":"DEBIT_CARD","memo":"FAREWAY 0481","status":"posted"},
    {"id":"tx_002","date":"2026-04-28","amount":1500.00,
     "type":"ACH_CREDIT","memo":"PAYROLL","status":"posted"}
  ],
  "next_cursor": null
}

Authorization handshake (pseudocode)

// Step 1 — bind a customer (one-time consent)
POST /api/v1/sibley/auth/bind
{
  "username": "<online_banking_user>",
  "password": "<online_banking_pass>",
  "device_fingerprint": "df_19a7..."
}
=> { "session_id": "sess_77c1", "mfa_required": true }

// Step 2 — solve MFA / OTP
POST /api/v1/sibley/auth/mfa
{ "session_id":"sess_77c1", "otp":"483920" }
=> { "access_token":"...", "refresh_token":"...", "expires_in":1800 }

// Step 3 — refresh on a schedule, never store passwords client-side
POST /api/v1/sibley/auth/refresh
{ "refresh_token":"..." }

Zelle webhook event shape

POST https://your-app.example.com/webhooks/sibley
X-Sibley-Signature: t=1714680000,v1=...

{
  "event":"zelle.payment.received",
  "occurred_at":"2026-04-29T14:21:08Z",
  "account_id":"acct_8451",
  "amount":250.00,
  "currency":"USD",
  "counterparty":{"alias":"jane@example.com","name":"Jane D."},
  "memo":"April rent",
  "idempotency_key":"zl_8e3c..."
}

Compliance & privacy

Every Sibley State Bank integration we ship is scoped against US financial-data regulation. The most relevant framework today is the CFPB Personal Financial Data Rights rule under Section 1033 of the Dodd-Frank Act, finalized in October 2024. Section 1033 establishes consumer rights to access at least 24 months of transaction history, balances, payment-initiation data and product terms, and to share that data with authorized third parties at no charge.

In addition we align with the Gramm-Leach-Bliley Act safeguards rule, Regulation E for electronic transfers, and FFIEC authentication guidance. State-level laws such as the California Consumer Privacy Act apply when end users reside in California. We ship every project with a written data-minimization plan, a consent log, and a revocation endpoint.

Data flow / architecture

The default pipeline we deliver is intentionally short and auditable:

1. Sibley State Bank mobile / online banking — source of truth for accounts, transactions and RDC images.
2. OpenFinance Lab connector — handles authorization, MFA, retries, rate limiting and field normalization.
3. Storage & consent ledger — encrypted Postgres or S3, with an append-only consent and access log.
4. Customer system — your accounting platform, ERP, analytics warehouse or partner API gateway.

Each hop is reversible: revoke consent and the connector stops issuing requests within one polling interval, and the ledger records the revocation with timestamp and actor.

Deliverables checklist

• OpenAPI 3.1 specification covering accounts, transactions, RDC, Zelle and bill pay
• Protocol and authorization flow report (token chain, MFA, device binding)
• Runnable Python or Node.js source for login, statement and webhook handlers
• Unit and integration test suite with recorded fixtures
• CFPB Section 1033 scoping note and a written consent-revocation playbook

Recent platform context (last 2 years)

Sibley State Bank's online and mobile channels have rolled out a refreshed online banking experience along with Zelle person-to-person payments inside the app, expanding the integration surface materially compared to the pre-2024 build. On the regulatory side, the CFPB finalized the Section 1033 personal financial data rights rule in October 2024 — implementation timelines were originally set for April 2026 and remain under reconsideration in 2025. Both shifts make this a useful moment to design integrations against a forward-looking, OpenBanking-shaped API rather than a brittle scraper.

About us

OpenFinance Lab is an independent studio focused on fintech and open-data API integration. Our team draws from banks, payment gateways, mobile protocol analysis and cloud platforms, and we ship end-to-end financial APIs under security and compliance constraints. We are equally comfortable with a chartered Iowa community bank and a UPI-scale Indian wallet — the engineering principles travel well, but the local rules do not, so each project ships with a regulation-aware delivery plan.

• Personal banking, business banking, RDC, ACH and card networks
• Enterprise API gateways, security review and consent ledgers
• Custom Python / Node.js / Go SDKs and reproducible test harnesses
• Full pipeline: protocol analysis → build → validation → compliance hand-off
• Source code delivery from $300 — runnable API source plus documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted API and pay per call, no upfront cost

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement workflow

1. Scope confirmation: integration scenarios and API surface (login, statements, RDC, Zelle).
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Build and internal validation against recorded sandbox fixtures (3–8 business days).
4. Documentation, sample clients and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals or webhook flows may extend.

FAQ

What do you need from me to start a Sibley State Bank integration?

How long does delivery take for a community bank like Sibley State Bank?

How do you handle CFPB Section 1033 and US privacy compliance?

Can I use Plaid, MX or Yodlee instead of a custom integration?