> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.givechariot.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.givechariot.com/_mcp/server.

# FDX API

The Chariot FDX API implements the [Financial Data Exchange (FDX)](https://financialdataexchange.org/) v6 standard, providing read-only access to bank account data for authorized financial data aggregators.

## Overview

The FDX API exposes 7 read-only endpoints organized around

deposit accounts

:

| Category         | Endpoints                               | Description                                                |
| ---------------- | --------------------------------------- | ---------------------------------------------------------- |
| **Accounts**     | List accounts, Get account, Get contact | Account information, balances, and contact details         |
| **Statements**   | List statements, Get statement document | Statement metadata and document downloads (PDF, CSV, BAI2) |
| **Customers**    | List customers                          | Organization identity associated with an account           |
| **Transactions** | List transactions                       | Transaction history with pagination and date filtering     |

## Base URL

| Environment    | Base URL                                    |
| -------------- | ------------------------------------------- |
| **Production** | `https://api.givechariot.com/fdx/v6`        |
| **Sandbox**    | `https://sandboxapi.givechariot.com/fdx/v6` |

## Authentication

The FDX API uses Chariot's [OAuth 2.0](/guides/oauth).

|                     | Value                                                                                                                                |
| ------------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| **Scope**           | [`read_only`](/guides/oauth#scopes)                                                                                                  |
| **Credentials**     | Client name and secret per [environment](/guides/oauth#environments), from [support@givechariot.com](mailto:support@givechariot.com) |
| **IP whitelisting** | [Required](/guides/oauth#ip-whitelisting)                                                                                            |

## Key Concepts

### Pagination

List endpoints support cursor-based pagination using `pageKey` (a UUID cursor) and `limit` (10–100 results per page). The response includes a `page` object with `nextPageKey` when more results are available.

### Date Filtering

The statements and transactions endpoints support date range filtering via `startTime` and `endTime` query parameters (format: `YYYY-MM-DD`). Both must be specified together or both omitted. When omitted, defaults to the last 7 days.

Data is available for up to **24 months** from the current date. Requests with a `startTime` older than 24 months will return data starting from the 24-month boundary.

### Content Negotiation

The statement document endpoint supports multiple formats via the `Accept` header:

* `application/pdf` (default)
* `text/csv`
* `application/vnd.bai2`

### Error Format

All errors follow the [RFC 7807](https://www.rfc-editor.org/rfc/rfc7807) Problem Details standard with content type `application/problem+json`:

```json
{
  "type": "about:blank",
  "title": "Unauthorized",
  "status": 401,
  "detail": "Missing or invalid Bearer token"
}
```

| Status                      | Condition                                                       |
| --------------------------- | --------------------------------------------------------------- |
| `400 Bad Request`           | Invalid query parameters or missing required fields             |
| `401 Unauthorized`          | Missing, invalid, or expired Bearer token                       |
| `403 Forbidden`             | Insufficient permissions or IP not whitelisted                  |
| `404 Not Found`             | Resource does not exist (e.g., invalid account or statement ID) |
| `500 Internal Server Error` | Unexpected server error                                         |

> **Info**
>
> Chariot is a financial technology company, not a bank. Chariot Accounts come with a Demand Deposit Account through our banking services partner, Column N.A., Member FDIC. Deposits in Chariot Accounts are eligible for FDIC insurance up to \$250,000 per depositor, for each insurable capacity in which the account is held.