Open a Unit banking-as-a-service deposit account and issue a debit card to a customer
domain: unit.co · 6 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Create an individual or business customer application via POST /applications and wait for the application to reach the Approved status
Once approved, a deposit account is automatically created; retrieve the account ID from the relationships.depositAccount link in the application response
Create a debit card for the account via POST /cards with type individualDebitCard and link it to the deposit account
Activate the card by having the cardholder set a PIN via the Unit card widget or API; cards are issued in an inactive state
Fund the account by initiating an ACH credit or book payment using POST /payments/book from your operating account to the customer account
Subscribe to transaction.created and authorization.created webhook events to monitor card activity in real time
Known gotchas
Unit KYC decisions are asynchronous — the application may move through Pending states before reaching Approved or Denied; poll or use webhooks, do not assume synchronous approval
Debit cards require PIN activation before they can be used for in-person transactions; online-only usage may not require PIN depending on card configuration
Unit sandbox and production are separate environments with separate API tokens; sandbox ACH funding settles immediately for testing
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