Configure auto-transfers

Move money between funding accounts automatically on a balance threshold or schedule.

Goal

Create a rule that automatically transfers funds — either internally between two of your linked accounts, or externally out to a sweep account — when either a balance threshold is crossed or a fixed schedule fires. Useful for keeping a payout-funding account topped up, or sweeping excess balance to a treasury account daily.

Prerequisites

Two linked bank accounts: a source (debited) and a destination (credited). For external transfers the destination must be reachable on ACH or wire.
API key with Treasury enabled.

Implementation

1. Pick a rule type

`rule_type`	When the rule fires
`balance_threshold`	The source account's balance crosses the configured amount.
`schedule`	A cron-like schedule fires (daily, weekly, monthly).

2. Create the rule

Balance-threshold example — top up the payout account when it dips below $5k:

const { data: rule } = await client.createAutoTransferRule({
  rule_type: "balance_threshold",
  trigger_condition: {
    threshold_cents: 500_000,   // $5,000
    direction: "below",
  },
  transfer_amount: 1_000_000,   // $10,000 top-up
  transfer_type: "internal",
  source_account_id: "ba_treasury…",
  destination_account_id: "ba_payouts…",
});

Schedule example — sweep $20k daily at 5pm UTC:

await client.createAutoTransferRule({
  rule_type: "schedule",
  trigger_condition: {
    cron: "0 17 * * *",
    timezone: "UTC",
  },
  transfer_amount: 2_000_000,
  transfer_type: "external",
  source_account_id: "ba_payouts…",
  destination_account_id: "ba_corp_treasury…",
});

The endpoint is POST /treasury/auto-transfer-rules. trigger_condition is a free-form object whose required keys depend on rule_type — start with the shapes above.

3. Manage the rule

const { data: rules } = await client.listAutoTransferRules();
await client.updateAutoTransferRule(rule.id, { transfer_amount: 1_500_000 });
await client.deleteAutoTransferRule(rule.id);

4. Observe what fired

Each rule execution creates a transaction visible in client.listTransactions() tagged with the rule that produced it. The same settlement.created webhook fires when the resulting transfer settles.

Tradeoffs

External transfers go through the same rails as payouts. That means ACH 1–3 days, same-day ACH same business day, RTP seconds, wire same day. The rule's trigger time is initiation, not arrival. Don't use a threshold rule with ACH to backstop a same-minute outflow.
No built-in cooldown. If your threshold rule fires, transfers $10k, and the source dips below threshold again before the transfer arrives, the rule will fire a second time. Add a cooldown field in trigger_condition (or check via your own observability) to avoid loops.
Internal vs. external. internal transfers are book-only between two Easy-managed accounts and settle instantly with no rail fee. external transfers leave the platform and incur the standard rail fee.

Configure auto-transfers

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