Customers Bank
Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial bank and the principal subsidiary of Customers Bancorp, Inc. (NYSE CUBI), a super-regional bank holding company with roughly $22 billion in assets headquartered in West Reading, Pennsylvania. Beyond traditional commercial and consumer banking it operates a national embedded-banking / Banking-as-a-Service platform, exposing a first-party, OAuth2-secured REST API surface (accounts, ACH, wires, instant payments, book transfers, consumer lending, plus partner, IT-operations and webhook management) to fintech and corporate partners through a public ReadMe developer portal at cubiapi.readme.io, complete with a hosted Model Context Protocol (MCP) server for AI agents. This is proprietary, partner-gated integration infrastructure rather than an FDX or CFPB Section 1033 consumer-permissioned data-sharing API; no FDX-conformant or Section 1033 data-access endpoint is publicly documented, and the surface is a sandbox-first partner API secured by OAuth2 client-credentials with HMAC-signed webhooks.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Customers Bank the way a machine reads it — 54 machine-readable artifacts across 10 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Customers Bank scores 40.9/100 (developing), with a separate agent-readiness read of 50/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Put this on your own site. The badge is drawn live from Customers Bank's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/customers-bank/"
title="Customers Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/customers-bank.svg"
alt="Customers Bank Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/customers-bank/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/customers-bank/"
title="Customers Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/customers-bank/card.svg"
alt="Customers Bank Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Customers Bank
Each block below is one kind of artifact we hold for Customers Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 38
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Customers Bank Account Access API
The AccountAccess API from Customers Bank — 8 operation(s) for accountaccess.
Customers Bank Account Control Type API
Allows for querying and managing of the Control Type (Dual or Single) on various accounts within the system
Customers Bank Account Entitlements API
The AccountEntitlements API from Customers Bank — 2 operation(s) for accountentitlements.
Customers Bank Accounts API
The Accounts API from Customers Bank — 5 operation(s) for accounts.
Customers Bank Address Book API
The AddressBook API from Customers Bank — 15 operation(s) for addressbook.
Customers Bank Authenticate API
Provides endpoints to enable authentication to the Cubi api's
Customers Bank Banks API
The Banks API from Customers Bank — 6 operation(s) for banks.
Customers Bank Book Transfers API
The BookTransfers API from Customers Bank — 6 operation(s) for booktransfers.
Customers Bank Book Transfer Search API
The BookTransferSearch API from Customers Bank — 2 operation(s) for booktransfersearch.
Customers Bank Client Credentials API
The ClientCredentials API from Customers Bank — 5 operation(s) for clientcredentials.
Customers Bank Correspondent Instructions API
The CorrespondentInstructions API from Customers Bank — 2 operation(s) for correspondentinstructions.
Customers Bank Customers API
The Customers API from Customers Bank — 2 operation(s) for customers.
Customers Bank Event History API
The EventHistory API from Customers Bank — 4 operation(s) for eventhistory.
Customers Bank Event Types API
The EventTypes API from Customers Bank — 2 operation(s) for eventtypes.
Customers Bank Home Realm Discovery API
The HomeRealmDiscovery API from Customers Bank — 2 operation(s) for homerealmdiscovery.
Customers Bank Incoming Ach API
Allow for querying and management of incoming ACH payments
Customers Bank Incoming Payments API
The IncomingPayments API from Customers Bank — 8 operation(s) for incomingpayments.
Customers Bank Incoming Wires V API
The IncomingWiresV API from Customers Bank — 3 operation(s) for incomingwiresv.
Customers Bank Interest Payments API
The InterestPayments API from Customers Bank — 2 operation(s) for interestpayments.
Customers Bank Loan API
The Loan API from Customers Bank — 6 operation(s) for loan.
Customers Bank Loan Application API
The LoanApplication API from Customers Bank — 2 operation(s) for loanapplication.
Customers Bank Messages API
The Messages API from Customers Bank — 2 operation(s) for messages.
Customers Bank Non Admin API
The NonAdmin API from Customers Bank — 4 operation(s) for nonadmin.
Customers Bank Notification Email API
The NotificationEmail API from Customers Bank — 3 operation(s) for notificationemail.
Customers Bank Outgoing Ach API
Allows for querying and management of outgoing ACH payments
Customers Bank Outgoing Payments API
The OutgoingPayments API from Customers Bank — 15 operation(s) for outgoingpayments.
Customers Bank Outgoing Wires V API
The OutgoingWiresV API from Customers Bank — 7 operation(s) for outgoingwiresv.
Customers Bank Partner Program API
Allows for the querying of ACH partner programs available for use within the system. Partner programs are used when sending a payment in order to specify pre-built configuration...
Customers Bank Partners API
The Partners API from Customers Bank — 4 operation(s) for partners.
Customers Bank Reference Data API
Returns accounts related codes and definitions
Customers Bank Search Incoming Wires V API
The SearchIncomingWiresV API from Customers Bank — 1 operation(s) for searchincomingwiresv.
Customers Bank Search Outgoing Wires V API
The SearchOutgoingWiresV API from Customers Bank — 1 operation(s) for searchoutgoingwiresv.
Customers Bank Subaccounts API
The Subaccounts API from Customers Bank — 5 operation(s) for subaccounts.
Customers Bank Tags API
The Tags API from Customers Bank — 2 operation(s) for tags.
Customers Bank Users API
The Users API from Customers Bank — 6 operation(s) for users.
Customers Bank User Settings API
The UserSettings API from Customers Bank — 1 operation(s) for usersettings.
Customers Bank Webhooks API
The Webhooks API from Customers Bank — 8 operation(s) for webhooks.
Customers Bank Web Pub Sub API
The WebPubSub API from Customers Bank — 1 operation(s) for webpubsub.
Scroll within the panel for all 38 ·
Open Collections 10
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Accounts
OPEN COLLECTIONACH
OPEN COLLECTIONConsumerLending
OPEN COLLECTIONInstantPayments
OPEN COLLECTIONIT Operations
OPEN COLLECTIONPartners
OPEN COLLECTIONSecurity
OPEN COLLECTIONTransfers
OPEN COLLECTIONWebhooks
OPEN COLLECTIONWires
OPEN COLLECTIONScroll within the panel for all 10 ·
MCP Servers 2
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
Customers Bank MCP Server
MCP SERVERCustomers Bank MCP Server
Customers Bank hosts a remote Model Context Protocol server (the ReadMe generic MCP) that lets AI editors (Cursor, Windsurf, Claude Desktop) browse the API/documentation and exe...
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Customers Bank Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Customers Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 6
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 11
Properties that don't map to a standard resource type
Scroll within the panel for all 11 ·
← All providers · Data indexed from github.com/api-evangelist/customers-bank · machine-readable index on apis.io
This is an independent, third-party profile of Customers Bank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
info@apievangelist.com
·
Read the full data-sourcing policy →
On a security or compliance team? Put security in the subject line and
you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.