> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Zūm Rails Data Aggregation

> Aggregation and bank verification - access route, data references, and integration requirements.

> [!NOTE]
>
> **In Review.** This integration is being evaluated. Availability has not been announced. [View integration status](https://docs.amlok.io/integrations/status.md).

| Property | Definition |
| - | - |
| Provider ID | BANK-12 |
| Integration status | In Review |
| Category | Bank Integrations |
| Product type | Aggregation and bank verification |
| Evidence reviewed | 2026-10-22 |

## Integration approach

Zūm Connect plus Aggregation API returns linked bank accounts, balances and transaction history when aggregation is enabled. Public docs show Canadian and US response variants. Confirm underlying provider, account coverage and recurring refresh rights.

## Access and approval

Sandbox/production accounts are separate and aggregation must be enabled for the customer account. Coordinate production and data-product activation with Zūm Rails; numeric approval ETA not disclosed in reviewed sources.

**Documentation availability:** Public Aggregation API, supported-institution and authentication documentation.

## Data reference

Open a resource to review its field definitions. Available fields depend on the connected product, account permissions, and source data.

| Resource |
| - |
| [bank\_account](https://docs.amlok.io/data-model/field-dictionary.md#bank-account) |
| [account\_balance](https://docs.amlok.io/data-model/field-dictionary.md#account-balance) |
| [bank\_transaction](https://docs.amlok.io/data-model/field-dictionary.md#bank-transaction) |

## Coverage conditions

| Property | Definition |
| - | - |
| Country / deployment conditions | Canadian and US response variants; validate actual institutions. |
| History | Varies by endpoint, account, and available source history. |
| Refresh | Provider-dependent; no guaranteed real-time cadence. |
| Commercial / use rights | Client permission and applicable commercial use rights required. |

## Provider documentation

* [docs.zumrails.com](https://docs.zumrails.com/)
* [docs.zumrails.com/api-reference/aggregation](https://docs.zumrails.com/api-reference/aggregation)
* [docs.zumrails.com/api-reference/overview](https://docs.zumrails.com/api-reference/overview)
* [docs.zumrails.com/data-aggregation/supported-institutions](https://docs.zumrails.com/data-aggregation/supported-institutions)

## Related model reference

* [Provider coverage](https://docs.amlok.io/data-model/provider-coverage.md#bank-12)
* [Resource coverage](https://docs.amlok.io/data-model/resource-coverage.md#bank-12)
* [Field dictionary](https://docs.amlok.io/data-model/field-dictionary.md)


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