Teller guide

Software Setup

To use Teller with Rutter, you must create a Teller developer account. The developer account includes both sandbox testing and up to 100 live connections for free.

Rutter does not provide Teller API keys. Contact your Rutter customer success representative for introductions to the Teller team when you're ready to move beyond the free tier.

Developer Account Setup

Create a Teller app

  1. Sign up at Teller Dashboard with your email.
  2. Once logged in, you'll be taken to your Teller dashboard.

Retrieve your app's API certificate

A set of credentials will be automatically created. Check your downloads folder for teller.zip, which contains the certificate and private key created during sign-up.

If you've misplaced your certificate or private key, you can revoke your certificate and create a new one on the Certificates section of the Teller Dashboard.

Share your certificates with Rutter

  1. Log in to the Rutter Dashboard.
  2. Navigate to Platforms → Banking → Teller.
  3. Enter your Teller Application ID, Token Signing Key, and certificate files.
  4. Select the appropriate environment.
    1. Select Sandbox Mode if you want to test with Teller's sandbox environment, which will return dummy data.
    2. The Development Mode is the same as Production Mode, and will enable connections to real financial institutions. It is not billed and has a hard limit of 100 enrollments.
    3. Set Production Mode to connect to an unlimited number of real financial institutions.

Teller's sandbox mode is separate from Rutter's sandbox mode. To test Teller sandbox connections, you must be in Rutter's production mode.

Connect to your Teller app

  1. Generate a Rutter Link URL. One way to do this is through the Rutter Dashboard. Navigate to Connections and click on Create New Connection in the top right, then copy the Shareable URL.
  2. Add ?banking=true to the URL parameters to enable the Smart Banking flow. Note: if you have multiple aggregators configured, bank connections may not go through Teller. To test only Teller, append ?platform=teller to the URL. This will direct you immediately to the Teller flow.
  3. Select your desired bank and follow the authentication flow.
  4. For sandbox testing, you can use Teller's test credentials.
  5. Upon successful connection, you will be redirected to a completion page. The connection will appear on your Rutter Dashboard.

Production Access

The free developer tier includes:

  • Sandbox environment for testing
  • Up to 100 live connections
  • Access to all supported institutions

For additional connections or enterprise features, contact your Rutter customer success representative for an introduction to the Teller team.

Work with them to:

  • Set up a paid account
  • Access additional features
  • Get more than 100 connections

Reference

FAQ

What's the difference between Teller's sandbox, development, and production environments?

Sandbox uses test credentials and returns dummy data, while development allows connection to real financial institutions but with limitations. Production access requires a paid account.

Can I use Teller's sandbox with Rutter's sandbox mode?

No, to test Teller sandbox connections, you must be in Rutter's production mode. Teller's sandbox mode is separate from Rutter's sandbox mode.

How often is banking data updated?

Teller updates banking data in real-time. When new transactions are available, Rutter will send webhooks to notify you. You can then trigger an incremental sync through Rutter to get the latest transactions.

What happens if a bank connection becomes disconnected?

When a connection becomes unhealthy or requires reauthentication, you'll receive a Rutter CONNECTION_NEEDS_UPDATE or CONNECTION_DISABLED webhook. You can then direct your user to reconnect their account through the Rutter Link flow. For more information, see our Managing Connections guide.

Best Practices

  1. Always start development using Teller's sandbox environment
  2. Test with various sandbox test credentials
  3. Implement webhook handling for real-time updates
  4. Monitor connection health status
  5. Have a process for handling connection issues and reauthentication

Supported Data

Through Rutter's unified API, you can access the following Teller data:

  • Bank account details
  • Real-time balances
  • Transaction history

See Rutter's banking API docs for all endpoints available.

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