---
title: Bank accounts
description: ACH and EFT bank accounts for taxpayers, a firm's own ACH bank account, and how to create, list and delete them.
---
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# Bank accounts
## ACH and EFT bank accounts for taxpayers, a firm's own ACH bank account, and how to create, list and delete them.
### What it is
Bank accounts are the funding sources for tax payments. Each bank account belongs to exactly one owner: a taxpayer or a firm. Once a taxpayer bank account exists, you can attach it to tax payments so Remitian can process them on the scheduled date.
### When you need it
- A taxpayer needs a bank account to fund their tax payments.
- A firm wants to register its own bank account, separate from its clients' accounts.
- A taxpayer changes banks and an old account needs to be removed.
### How it works
The `paymentNetwork` field decides which bank details are required:
| Detail | ACH | EFT |
| --- | --- | --- |
| Country | United States | Canada |
| `paymentNetwork` | `Ach` | `Eft` |
| Bank identifiers | `routingNumber` (9 digits) | `institutionNumber` (3 digits) and `transitNumber` (5 digits) |
| Also required | `bankAccountName`, `accountNumber` | `bankAccountName`, `accountNumber` |
| Taxpayer bank accounts | Yes | Yes |
| Firm bank accounts | Yes | No (firm bank accounts are ACH only) |
1. Create a taxpayer bank account with `POST /v1/taxpayers/{taxpayerId}/bank-accounts`, choosing `Ach` or `Eft` and sending the matching identifiers. `externalId` is optional but lets you find the account by your own ID.
2. List a taxpayer's accounts with `GET /v1/taxpayers/{taxpayerId}/bank-accounts`, filtering by `externalId` and paging with `pageNumber` and `pageSize`.
3. Delete one with `DELETE /v1/taxpayers/{taxpayerId}/bank-accounts/{bankAccountId}`. A bank account that does not exist for that taxpayer returns `404 Not Found`.
4. Register a firm's own account with `POST /v1/firms/{firmId}/bank-accounts` (ACH only, with an optional `fundingCompanyId`) and list it with `GET /v1/firms/{firmId}/bank-accounts`.
Canadian tax payments are pulled by direct debit. Set the speed with `fundingPace` on the payment: `RegularDirectDebit` (the default), `ExpressDirectDebit` or `PriorityDirectDebit`. Priority must be turned on for the firm by Remitian support.
### Common questions
### What is the difference between a taxpayer bank account and a firm bank account?
A taxpayer bank account belongs to the client and funds that client's tax payments. A firm bank account belongs to the firm itself and is listed separately: listing a firm's bank accounts does not include its taxpayers' accounts.
### What is fundingCompanyId?
It is the ACH Company ID the firm originates its credits from, used to identify the firm's bank account on incoming credits. It is optional, up to 50 characters, and must be unique across all bank accounts.
### Why did creating a firm bank account return 409?
The firm already has a bank account with the same routing and account number, or the `fundingCompanyId` is already registered to another bank account. A `404` means the firm does not exist.
### Do I need a bank account before I schedule a payment?
No. A bank account can be attached when the payment is created or later. See the payment lifecycle article for what blocks processing.
Full documentation
- [Use Case 7: Manage bank accounts (including firm bank accounts)](https://docs.remitian.com/products/wqptjtsou5/k038pz3vgh/index.html)
- [Use Case 8: Manage tax payments](https://docs.remitian.com/products/wqptjtsou5/zy4oa1bcpq/index.html)
- [Accounting Firms](https://help.remitian.com/accounting-firms?hsLang=en#main-content)
- [Account Management](https://help.remitian.com/accounting-firms?hsLang=en#account-management)
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- [Setting up firms and taxpayers](https://help.remitian.com/api?hsLang=en#setting-up-firms-and-taxpayers)
- [Tax payments](https://help.remitian.com/api?hsLang=en#tax-payments)
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