Turn your bank's Q2 business banking into an API

What you can build on Q2 business banking

• Get account transactions

  Build this

  Opens an account from the Home page and reads its transactions with the site's filters for time period, transaction type and check number range.

  Takes

  Account, time period, transaction type (optional), check number range (optional)

  Returns

  Date, description, amount, credit or debit, pending or posted, check number

• Get a previous-day balance and activity report

  Build this

  Runs Balance and Activity Statement, Previous Day(s) under Reports, waits for its status to show it is ready and reads the CSV version.

  Takes

  Accounts, business date

  Returns

  Account, balances, each transaction's date, type, description and amount

• Check Payment Hub statuses

  Build this

  Reads the online originated ACH, wire and transfer transactions in Payment Hub with their status, and the IMAD or Fed reference once a wire is Processed.

  Takes

  Status (optional), payment type (optional)

  Returns

  Payment type, recipient, amount, account, effective date, status, IMAD or Fed reference

• Transfer funds between your accounts

  Build this

  Makes a transfer between two of your accounts on the Transfer Funds screen, with an optional memo and effective date.

  Takes

  From account, to account, amount, memo (optional), effective date (optional)

  Returns

  From account, to account, amount, effective date, confirmation status

Automate Q2 business banking 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.

• Yesterday's balance and activity, sent to your accounting system

  Build this

  Starts

  Every weekday at 7:00, in your bank's time zone

  Step 1

  Get the Balance and Activity Statement, Previous Day(s) for each operating account.

  Step 2

  Keep the balances and the transactions of the last business day.

  Step 3

  Post them, account by account, to your ERP or accounting system's webhook.

• Drafted payments in Payment Hub, for your approvers

  Build this

  Starts

  Every weekday at 10:00 and 14:00

  Step 1

  Check Payment Hub for ACH, wire and transfer transactions in Drafted status.

  Step 2

  Stop when there are none.

  Step 3

  Email you the list with type, recipient, amount and effective date, so an approver can act.

• Processed wires with their IMAD, sent to treasury

  Build this

  Starts

  Every hour on weekdays, from 9:00 to 18:00

  Step 1

  Check Payment Hub for wires in Processed status.

  Step 2

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

  Step 3

  Post each one with recipient, amount, effective date and IMAD or Fed reference to your treasury 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 account transactions” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "business.examplebank.com/get_account_transactions",
    "input": {
      "account": "Operating x4821",
      "time_period": "Yesterday",
      "transaction_type": "Posted"
    }
  }'

{
  "status": "completed",
  "data": {
    "account": "Operating x4821",
    "transactions": [
      {
        "date": "2026-11-11",
        "description": "ACH CREDIT NORTHWIND TRADERS PAYMENT",
        "amount": 12480,
        "direction": "credit",
        "status": "Posted",
        "check_number": null
      }
    ],
    "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.

Q2 business banking’s own options

Q2 sells its digital banking platform to banks, and each bank decides what its business clients get. Through Q2 Direct Data Services a bank can let you send ACH and wire files by API or SFTP and pick up account reconciliation files in CSV, BAI or MT. Q2 lists reports by API as coming soon. Otherwise you have the site's exports.

Read on November 12, 2026: Q2 Direct Data Services, Q2 commercial banking, A bank's Business Online Banking guide on Q2.

Signing in to Q2 business banking

Your bank or your company administrator sets up your user ID. At one bank on Q2, you enter it with your password, then a secure code by text or phone call, or a code from a hardware token or the Symantec app if you were issued one. With Fous you sign in once through your bank's own sign-in with your own account, and the login is sealed with AES-256, never returned by the API or written to logs.

Worth knowing

Your bank decides the menus and names

Q2 is configured by each bank, so menu names, reports and services differ. One bank calls the payment list Payment Hub, and reports, exports and approvals appear only where your user is entitled to them.

Reports are generated, then opened

After you run a report under Reports, its status shows until it is ready, and you may need to refresh once or twice. It then opens as PDF, CSV or BAI, depending on the report.

Positive pay can be another system

Positive pay is not always part of the Q2 screens. One bank links to FIS ARPPA Positive Pay under Enhanced Services, with its own Manage Exceptions, Upload Issue File and Exception Decision pages.

Dual approval changes who finishes a payment

With dual approval, a second user approves drafted payments in Payment Hub. Its statuses are Drafted, Authorized, Processed and Cancelled, and a wire's IMAD or Fed reference appears once it is Processed.

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