Turn Banno Business into an API

What you can build on Banno Business

• Get Positive pay check exceptions

  Build this

  Opens Work exceptions under Positive pay and reads the checks flagged for one account, with each check's details and exception reason.

  Takes

  Account

  Returns

  Check number, amount, payee, captured payee name, exception reason, exception status, protected, source of entry

• List ACH batches

  Build this

  Reads the ACH list for one account, Active or History, with each batch's ACH company, status and effective date.

  Takes

  Account, list (Active or History), effective date (optional)

  Returns

  ACH name, ACH company, batch type, status, effective date, debits, credits

• Check Positive pay uploads

  Build this

  Reads the Positive pay dashboard: each uploaded check list or manual check entry from the last seven days and its status.

  Takes

  Nothing

  Returns

  Entry name, associated account, status, days since upload

• Pay or return check exceptions

  Build this

  Sets Pay or Return on the check exceptions you name for one account under Work exceptions and submits the decisions.

  Takes

  Account, check numbers to pay, check numbers to return

  Returns

  Account, checks paying, checks returning, submitted

Automate Banno Business with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Positive pay exceptions to decide, every account

  Build this

  Starts

  Every weekday at 8:00

  Step 1

  For each account you name, get the Positive pay check exceptions.

  Step 2

  Stop when no account has an exception.

  Step 3

  Email you the list, one section per account, with each check's exception reason and both payee names.

• ACH batches waiting in Pending approval

  Build this

  Starts

  Every hour

  Step 1

  For each account, list the Active ACH batches.

  Step 2

  Keep the batches in Pending approval status that were not there on the last run.

  Step 3

  Post each one, with its ACH company, effective date, debits and credits, to your Slack webhook.

• Processed ACH batches, handed to accounting

  Build this

  Starts

  Every weekday at 17:00

  Step 1

  For each account, list the ACH batches in History.

  Step 2

  Keep the batches that were not there on the last run.

  Step 3

  Post ACH name, ACH company, type, effective date, debits and credits to your accounting system's webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get Positive pay check exceptions” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "banno.com/get_positive_pay_exceptions",
    "input": {
      "account": "Operating x4821"
    }
  }'

{
  "status": "completed",
  "data": {
    "account": "Operating x4821",
    "exceptions": [
      {
        "check_number": "20417",
        "amount": 1840,
        "payee": "Northwind Supply",
        "captured_payee_name": "Northwind Supply",
        "exception_reason": "Invalid amount",
        "exception_status": "Return",
        "protected": false,
        "source_of_entry": "Upload"
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

Banno Business’s own options

Jack Henry's Consumer API returns a user's account and transaction data as JSON, to external applications that each financial institution enables on the Banno platform. Inside Banno Business you can upload NACHA ACH files and Positive pay issued-item files, and banks on SilverLake or CIF 20/20 can turn on Banno Business Reports.

Read on November 12, 2026: Consumer API overview, Banno Business ACH, Banno Business Reports.

Signing in to Banno Business

Banno Business signs you in with a password, or a passkey in its place, through your bank or credit union. A second step is asked the first time, on a device it does not recognize and when you recover your account: a text message or phone code, an authenticator app, a Symantec VIP token or a security key. With Fous you sign in through that sign-in with your own account, and the login is sealed with AES-256.

Worth knowing

Exceptions lock at your bank's cut-off

You can change a pay or return decision until the cut-off time your institution sets on the host. After it, exceptions are locked.

Approve one Positive pay upload at a time

If a new file or manual entry is added before the previous Pending entry is approved, that entry becomes Unapproved and must be uploaded again. The dashboard shows entries for seven days.

Your NACHA header must match the core

An uploaded ACH file's Company Name and Company ID must match your bank's core records exactly, including case. Batches over your user, NetTeller ID or ACH company limit cannot be initiated.

Your institution decides what you see

An admin user turns on each entitlement, such as ACH or Positive pay, in User management. Banno lists Positive pay and Reports for banks, and Reports only on the SilverLake and CIF 20/20 cores.

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