Direct ACH Payments

Members are able to transfer funds to an external account. This can be used to support several different use cases, including transferring funds from an HSA to reimburse themselves for expense they paid out-of-pocket.

You can easily support this funds transfer process using the following:

API Function	Description
Get Member Account Balance	Retrieves the settled and available balance for a Member.
Get Member External Bank Account List	Retrieves details of all active external accounts that a member has linked for contributions and/or reimbursements.
Link External Bank Account	This API links an external bank account to a Member. This account can be used by the member as a source account to transfer funds into the HSA account or vice versa. A linked bank account must be verified via Plaid before it can be used. In its response, this API returns a UUID that uniquely identifies the linked account object.
Submit Reimbursement Request	A client organization will invoke this API is to initiate a Reimbursement from the member account on the Lynx platform to an external member bank account. The API initiates the underlying banking transactions that need to occur to do the money transfer.

Note: Lynx leverages Plaid verification to associate external bank accounts with Members. Information concerning the Plaid integration is found here.