API Reference


The Consumer API is based on REST and has predictable resource-oriented URLs. The Consumer API uses standard HTTP verbs and status codes and returns JSON-encoded responses.

The Consumer API protects access to user data using OAuth 2.0 . The user’s login credentials are never shared with third party apps. Authorization is provided to third party applications via an access_token.

The Consumer API provides authenticated user identity information using OpenID Connect (OIDC). With OpenID Connect, third party apps are provided authenticated information about the user in the form of an identity_token.

Both the access_token and identity_token are encrypted in JSON Web Token format.

Base URL

See the Base URL topic.


See the Versioning topic.

API Credentials

Before you get started, you’ll need to get these from the back office administrator at your financial institution who has access to Banno People.

If the administrator does not know where to do this, they can review the External application configuration article on the Banno Knowledge site.

If you are developing using a Jack Henry test environment, you will not have access to Banno People. In this case, Jack Henry is the acting administrator of the financial institute and you will have to contact us for any Banno People operations.

You’ll need these credentials:

  • client_id
  • client_secret <— Keep this secret!

Do not share credentials via unsecured channels (e.g. email or instant messaging)

Similarly, do not commit credentials to your source code repository.


It is important to keep the client_secret value secret and not leak it through some kind of frontend, client-accessible JavaScript call.



  • API endpoints are protected by an OAuth / OpenID Connect scope as part of the Permissions Flow.

  • The OAuth / OpenID Connect scope required for a specific API endpoint can be found in the endpoint’s definition in the API Reference.

See the Authentication topic for more details.


Currency values are returned by the Consumer API in String format. This prevents issues with floating point number conversion.


  • "-1543.00"
  • "741.41"


Deposit Accounts

A positive balance indicates the amount of money the owner has in the account.

A negative balance would indicate other conditions (such as an overdraft).

Debt and Line of Credit Accounts

A positive balance indicates the amount owed. For example, a balance of 70,422 on a home loan would indicate that the owner owes $70,422 on their home.

A negative balance indicates a credit owed. For example, a balance of -5.22 might indicate a refund was posted to a credit card that had no outstanding balance.

Investment and Other Types of Accounts

No inference is applied to the balances with regard to positive or negative numbers.


Transactions for Deposit Accounts and Bills

A positive amount indicates a credit.

A negative amount indicates a debit.

Transactions for Debt and Line of Credit Accounts

For debt and line of credit accounts, the amount should be inverted. This is due to the fact that a debit increases the balance on these type of accounts and a credit decreases the balance (i.e. this is the opposite of deposit accounts).

Date and Time

Dates and times are generally in the UTC time zone.

Date and times are in ISO 8601 format.


  • 2017-07-23T12:30:12.123Z