# How to open and fund an account using US Open Finance APIs
source: https://developer.mastercard.com/blog/how-to-open-and-fund-an-account-using-us-open-finance-apis/index.md

Authors: Derek Humphreys. Description: The US Open Finance API has endpoints that are particularly useful for Account Opening use cases, and I don't just mean for new bank accounts. There are lots of use cases when registering a new customer where it is important that you know exactly who they are and where they live. In many cases, you also need to fund the new account and keep it topped up and the US Open Finance API can help here too. I should quickly explain what I mean by Open Finance. Simply put, it allows the owner of a bank account to grant third-party access to that bank account. They can control what accounts can be seen, how long that access can be granted for and for what purpose. The bank account owner (your customer) feels safe doing this because they are authenticating directly with their bank, using their online banking credentials, confident that the third party won't see or store them. The beauty of the US Open Finance API is that it handles the connections to all the banks (10,000+ US connections), provides a secure dialog so the account holder can authenticate, and caches the financial data so when you execute a query it comes back quickly (not having to make a round trip to the bank every time). In this video I will demonstrate how to implement a hypothetical use case where you are a third-party app provider that makes it easy for customers to manage, ship, and pay for their prescriptions. It will leverage some of the endpoints from the KYC use case as well as how to get the account and routing number needed for ACH payments. It will also ensure that the origin account has sufficient funds to cover any payment. If you haven't already done so, check out our getting started blog video that will walk you through the steps to create your account, get your sandbox keys and get connected to the US Open Finance APIs here. You can find more details about the API endpoints used in the video in the following links: Verify the Account Owner is available here. Get the Account Balance is available here. Get the ACH details required before you can move funds is available here.