> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.americanexpress.ferndocs.com/open-banking/confirmation-of-funds/guide/summary/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server.

# Summary

**Last Updated:** `February 14, 2022`

The information below is designed to help you implement the Confirmation of Funds API to provide Customer-authorized, confirmation of available funds for all American Express® proprietary Card products including Personal, Small Business and Corporate Cards for parties certified under the Payment Service Directive 2 (PSD2) legislation.