# Production personal access token missing BANK\_ACCOUNTS\_WRITE for Bank Accounts API

**URL:** <https://developer.squareup.com/forums/t/production-personal-access-token-missing-bank-accounts-write-for-bank-accounts-api/28206>\
**Category:** Questions\
**Created:** [October 14, 2026, 9:21pm UTC](https://developer.squareup.com/forums/t/production-personal-access-token-missing-bank-accounts-write-for-bank-accounts-api/28206 "2026-10-14T21:21:30Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![axionoutreach1](https://avatars.discourse-cdn.com/v4/letter/a/b77776/32.png) [@axionoutreach1](https://developer.squareup.com/forums/u/axionoutreach1)\
**Post date:** [October 14, 2026, 9:21pm UTC](https://developer.squareup.com/forums/t/production-personal-access-token-missing-bank-accounts-write-for-bank-accounts-api/28206/1 "2026-10-14T21:21:30Z")

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I’m implementing Square Web Payments SDK + Plaid for ACH bank payments and Bank Accounts on File in Production.

Plaid authentication/tokenization is working, and my Production credential can read the Bank Accounts API, but `POST /v2/bank-accounts` requires `BANK_ACCOUNTS_WRITE`.

I checked my Production personal access token with the token status endpoint.

Present:

- `BANK_ACCOUNTS_READ`
- `CUSTOMERS_WRITE`
- `PAYMENTS_WRITE`
- `PAYMENTS_READ`

Missing:

- **`BANK_ACCOUNTS_WRITE`**

I already used **Replace** on the Production Access Token in Developer Console → Credentials, updated the new token in Production, and verified that the new token is active. The new token still has the same 47 permissions and still does not include `BANK_ACCOUNTS_WRITE`.

Merchant and location are ACTIVE, US/USD. `GET /v2/bank-accounts` succeeds.

Square’s Bank Accounts API documentation says CreateBankAccount requires `BANK_ACCOUNTS_WRITE`.

**How can `BANK_ACCOUNTS_WRITE` be enabled or provisioned for an existing Production Square application using a Production personal access token? Does the Bank Accounts API beta require Square to enable this permission on the application/account?**

I can provide my Application ID and Merchant ID privately to Square staff if needed.

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<div class="post-metadata">

**Author:** ![jaeha](https://avatars.discourse-cdn.com/v4/letter/j/ebca7d/32.png) [@jaeha](https://developer.squareup.com/forums/u/jaeha)\
**Post date:** [October 15, 2026, 4:30am UTC](https://developer.squareup.com/forums/t/production-personal-access-token-missing-bank-accounts-write-for-bank-accounts-api/28206/3 "2026-10-15T04:30:57Z")

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Have you tried calling `CreateBankAccount` endpoint? I was told that you’d be able to make the call successfully even though `BANK_ACCOUNTS_WRITE` access doesn’t seem to be returned when requesting scopes. This way, you should be able to `POST /v2/bank-accounts`.

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**Author:** ![tobey312clark](https://avatars.discourse-cdn.com/v4/letter/t/87869e/32.png) [@tobey312clark](https://developer.squareup.com/forums/u/tobey312clark)\
**Post date:** [October 16, 2026, 9:22am UTC](https://developer.squareup.com/forums/t/production-personal-access-token-missing-bank-accounts-write-for-bank-accounts-api/28206/4 "2026-10-16T09:22:20Z")

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That missing `BANK_ACCOUNTS_WRITE` permission usually requires explicit feature enablement or special vetting by Square for ACH/Bank Account APIs in Production. You’ll likely need to contact support directly with your Application ID.