diff --git a/.release-please-manifest.json b/.release-please-manifest.json
index 342fa6d1..b7504a2f 100644
--- a/.release-please-manifest.json
+++ b/.release-please-manifest.json
@@ -1,3 +1,3 @@
 {
-  ".": "1.188.0"
+  ".": "1.189.0"
 }
\ No newline at end of file
diff --git a/.stats.yml b/.stats.yml
index df82cbc8..258e4a3f 100644
--- a/.stats.yml
+++ b/.stats.yml
@@ -1,4 +1,4 @@
 configured_endpoints: 232
-openapi_spec_url: https://storage.googleapis.com/stainless-sdk-openapi-specs/increase%2Fincrease-994727afca8b769c05b3531b0e560cfc71b7d2c45a49b54e09bbf73d0dbcaa1f.yml
-openapi_spec_hash: bb1c55d7e08fb038a7383976bba226d1
+openapi_spec_url: https://storage.googleapis.com/stainless-sdk-openapi-specs/increase%2Fincrease-46a90f99726aa861d06ec56fb73592b4dcb4499d5a765d1a10dfc9619446306f.yml
+openapi_spec_hash: 8406b96c39c72de064a810c393c00554
 config_hash: 27e44ed36b9c5617b580ead7231a594a
diff --git a/CHANGELOG.md b/CHANGELOG.md
index 71c7479a..52d1f06a 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,13 @@
 # Changelog
 
+## 1.189.0 (2026-01-30)
+
+Full Changelog: [v1.188.0...v1.189.0](https://github.com/Increase/increase-ruby/compare/v1.188.0...v1.189.0)
+
+### Features
+
+* **api:** api update ([e8708e4](https://github.com/Increase/increase-ruby/commit/e8708e4623934db6877f7fce9e49a908181dcaa1))
+
 ## 1.188.0 (2026-01-30)
 
 Full Changelog: [v1.187.0...v1.188.0](https://github.com/Increase/increase-ruby/compare/v1.187.0...v1.188.0)
diff --git a/Gemfile.lock b/Gemfile.lock
index 5595bda9..24aae282 100644
--- a/Gemfile.lock
+++ b/Gemfile.lock
@@ -11,7 +11,7 @@ GIT
 PATH
   remote: .
   specs:
-    increase (1.188.0)
+    increase (1.189.0)
       cgi
       connection_pool
 
diff --git a/README.md b/README.md
index be7a711d..9d2fa5aa 100644
--- a/README.md
+++ b/README.md
@@ -15,7 +15,7 @@ To use this gem, install via Bundler by adding the following to your application
 <!-- x-release-please-start-version -->
 
 ```ruby
-gem "increase", "~> 1.188.0"
+gem "increase", "~> 1.189.0"
 ```
 
 <!-- x-release-please-end -->
diff --git a/lib/increase/models/intrafi_exclusion.rb b/lib/increase/models/intrafi_exclusion.rb
index 17a06eca..70cfd255 100644
--- a/lib/increase/models/intrafi_exclusion.rb
+++ b/lib/increase/models/intrafi_exclusion.rb
@@ -13,8 +13,8 @@ class IntrafiExclusion < Increase::Internal::Type::BaseModel
       # @!attribute bank_name
       #   The name of the excluded institution.
       #
-      #   @return [String]
-      required :bank_name, String
+      #   @return [String, nil]
+      required :bank_name, String, nil?: true
 
       # @!attribute created_at
       #   The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
@@ -80,7 +80,7 @@ class IntrafiExclusion < Increase::Internal::Type::BaseModel
       #
       #   @param id [String] The identifier of this exclusion request.
       #
-      #   @param bank_name [String] The name of the excluded institution.
+      #   @param bank_name [String, nil] The name of the excluded institution.
       #
       #   @param created_at [Time] The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which th
       #
diff --git a/lib/increase/models/intrafi_exclusion_create_params.rb b/lib/increase/models/intrafi_exclusion_create_params.rb
index 3e3a23ef..1146f9ca 100644
--- a/lib/increase/models/intrafi_exclusion_create_params.rb
+++ b/lib/increase/models/intrafi_exclusion_create_params.rb
@@ -7,23 +7,29 @@ class IntrafiExclusionCreateParams < Increase::Internal::Type::BaseModel
       extend Increase::Internal::Type::RequestParameters::Converter
       include Increase::Internal::Type::RequestParameters
 
-      # @!attribute bank_name
-      #   The name of the financial institution to be excluded.
-      #
-      #   @return [String]
-      required :bank_name, String
-
       # @!attribute entity_id
       #   The identifier of the Entity whose deposits will be excluded.
       #
       #   @return [String]
       required :entity_id, String
 
-      # @!method initialize(bank_name:, entity_id:, request_options: {})
-      #   @param bank_name [String] The name of the financial institution to be excluded.
+      # @!attribute fdic_certificate_number
+      #   The FDIC certificate number of the financial institution to be excluded. An FDIC
+      #   certificate number uniquely identifies a financial institution, and is different
+      #   than a routing number. To find one, we recommend searching by Bank Name using
+      #   the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+      #
+      #   @return [String]
+      required :fdic_certificate_number, String
+
+      # @!method initialize(entity_id:, fdic_certificate_number:, request_options: {})
+      #   Some parameter documentations has been truncated, see
+      #   {Increase::Models::IntrafiExclusionCreateParams} for more details.
       #
       #   @param entity_id [String] The identifier of the Entity whose deposits will be excluded.
       #
+      #   @param fdic_certificate_number [String] The FDIC certificate number of the financial institution to be excluded. An FDIC
+      #
       #   @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}]
     end
   end
diff --git a/lib/increase/resources/intrafi_exclusions.rb b/lib/increase/resources/intrafi_exclusions.rb
index 9b6ada4a..dd6117f8 100644
--- a/lib/increase/resources/intrafi_exclusions.rb
+++ b/lib/increase/resources/intrafi_exclusions.rb
@@ -3,14 +3,17 @@
 module Increase
   module Resources
     class IntrafiExclusions
-      # Create an IntraFi Exclusion
+      # Some parameter documentations has been truncated, see
+      # {Increase::Models::IntrafiExclusionCreateParams} for more details.
       #
-      # @overload create(bank_name:, entity_id:, request_options: {})
+      # Create an IntraFi Exclusion
       #
-      # @param bank_name [String] The name of the financial institution to be excluded.
+      # @overload create(entity_id:, fdic_certificate_number:, request_options: {})
       #
       # @param entity_id [String] The identifier of the Entity whose deposits will be excluded.
       #
+      # @param fdic_certificate_number [String] The FDIC certificate number of the financial institution to be excluded. An FDIC
+      #
       # @param request_options [Increase::RequestOptions, Hash{Symbol=>Object}, nil]
       #
       # @return [Increase::Models::IntrafiExclusion]
diff --git a/lib/increase/version.rb b/lib/increase/version.rb
index d932b8a2..d0ba42bd 100644
--- a/lib/increase/version.rb
+++ b/lib/increase/version.rb
@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Increase
-  VERSION = "1.188.0"
+  VERSION = "1.189.0"
 end
diff --git a/rbi/increase/models/intrafi_exclusion.rbi b/rbi/increase/models/intrafi_exclusion.rbi
index 12b8d370..1498696a 100644
--- a/rbi/increase/models/intrafi_exclusion.rbi
+++ b/rbi/increase/models/intrafi_exclusion.rbi
@@ -13,7 +13,7 @@ module Increase
       attr_accessor :id
 
       # The name of the excluded institution.
-      sig { returns(String) }
+      sig { returns(T.nilable(String)) }
       attr_accessor :bank_name
 
       # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
@@ -60,7 +60,7 @@ module Increase
       sig do
         params(
           id: String,
-          bank_name: String,
+          bank_name: T.nilable(String),
           created_at: Time,
           entity_id: String,
           excluded_at: T.nilable(Time),
@@ -104,7 +104,7 @@ module Increase
         override.returns(
           {
             id: String,
-            bank_name: String,
+            bank_name: T.nilable(String),
             created_at: Time,
             entity_id: String,
             excluded_at: T.nilable(Time),
diff --git a/rbi/increase/models/intrafi_exclusion_create_params.rbi b/rbi/increase/models/intrafi_exclusion_create_params.rbi
index 017ce8f4..80a2fa53 100644
--- a/rbi/increase/models/intrafi_exclusion_create_params.rbi
+++ b/rbi/increase/models/intrafi_exclusion_create_params.rbi
@@ -14,26 +14,32 @@ module Increase
           )
         end
 
-      # The name of the financial institution to be excluded.
-      sig { returns(String) }
-      attr_accessor :bank_name
-
       # The identifier of the Entity whose deposits will be excluded.
       sig { returns(String) }
       attr_accessor :entity_id
 
+      # The FDIC certificate number of the financial institution to be excluded. An FDIC
+      # certificate number uniquely identifies a financial institution, and is different
+      # than a routing number. To find one, we recommend searching by Bank Name using
+      # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+      sig { returns(String) }
+      attr_accessor :fdic_certificate_number
+
       sig do
         params(
-          bank_name: String,
           entity_id: String,
+          fdic_certificate_number: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(T.attached_class)
       end
       def self.new(
-        # The name of the financial institution to be excluded.
-        bank_name:,
         # The identifier of the Entity whose deposits will be excluded.
         entity_id:,
+        # The FDIC certificate number of the financial institution to be excluded. An FDIC
+        # certificate number uniquely identifies a financial institution, and is different
+        # than a routing number. To find one, we recommend searching by Bank Name using
+        # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+        fdic_certificate_number:,
         request_options: {}
       )
       end
@@ -41,8 +47,8 @@ module Increase
       sig do
         override.returns(
           {
-            bank_name: String,
             entity_id: String,
+            fdic_certificate_number: String,
             request_options: Increase::RequestOptions
           }
         )
diff --git a/rbi/increase/resources/intrafi_exclusions.rbi b/rbi/increase/resources/intrafi_exclusions.rbi
index 9e8cebea..06edb79f 100644
--- a/rbi/increase/resources/intrafi_exclusions.rbi
+++ b/rbi/increase/resources/intrafi_exclusions.rbi
@@ -6,16 +6,19 @@ module Increase
       # Create an IntraFi Exclusion
       sig do
         params(
-          bank_name: String,
           entity_id: String,
+          fdic_certificate_number: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::IntrafiExclusion)
       end
       def create(
-        # The name of the financial institution to be excluded.
-        bank_name:,
         # The identifier of the Entity whose deposits will be excluded.
         entity_id:,
+        # The FDIC certificate number of the financial institution to be excluded. An FDIC
+        # certificate number uniquely identifies a financial institution, and is different
+        # than a routing number. To find one, we recommend searching by Bank Name using
+        # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+        fdic_certificate_number:,
         request_options: {}
       )
       end
diff --git a/sig/increase/models/intrafi_exclusion.rbs b/sig/increase/models/intrafi_exclusion.rbs
index 71747954..c463c650 100644
--- a/sig/increase/models/intrafi_exclusion.rbs
+++ b/sig/increase/models/intrafi_exclusion.rbs
@@ -3,7 +3,7 @@ module Increase
     type intrafi_exclusion =
       {
         id: String,
-        bank_name: String,
+        bank_name: String?,
         created_at: Time,
         entity_id: String,
         excluded_at: Time?,
@@ -17,7 +17,7 @@ module Increase
     class IntrafiExclusion < Increase::Internal::Type::BaseModel
       attr_accessor id: String
 
-      attr_accessor bank_name: String
+      attr_accessor bank_name: String?
 
       attr_accessor created_at: Time
 
@@ -37,7 +37,7 @@ module Increase
 
       def initialize: (
         id: String,
-        bank_name: String,
+        bank_name: String?,
         created_at: Time,
         entity_id: String,
         excluded_at: Time?,
@@ -50,7 +50,7 @@ module Increase
 
       def to_hash: -> {
         id: String,
-        bank_name: String,
+        bank_name: String?,
         created_at: Time,
         entity_id: String,
         excluded_at: Time?,
diff --git a/sig/increase/models/intrafi_exclusion_create_params.rbs b/sig/increase/models/intrafi_exclusion_create_params.rbs
index 4495170d..533cd413 100644
--- a/sig/increase/models/intrafi_exclusion_create_params.rbs
+++ b/sig/increase/models/intrafi_exclusion_create_params.rbs
@@ -1,26 +1,26 @@
 module Increase
   module Models
     type intrafi_exclusion_create_params =
-      { bank_name: String, entity_id: String }
+      { entity_id: String, fdic_certificate_number: String }
       & Increase::Internal::Type::request_parameters
 
     class IntrafiExclusionCreateParams < Increase::Internal::Type::BaseModel
       extend Increase::Internal::Type::RequestParameters::Converter
       include Increase::Internal::Type::RequestParameters
 
-      attr_accessor bank_name: String
-
       attr_accessor entity_id: String
 
+      attr_accessor fdic_certificate_number: String
+
       def initialize: (
-        bank_name: String,
         entity_id: String,
+        fdic_certificate_number: String,
         ?request_options: Increase::request_opts
       ) -> void
 
       def to_hash: -> {
-        bank_name: String,
         entity_id: String,
+        fdic_certificate_number: String,
         request_options: Increase::RequestOptions
       }
     end
diff --git a/sig/increase/resources/intrafi_exclusions.rbs b/sig/increase/resources/intrafi_exclusions.rbs
index 8ff264fb..caf4be84 100644
--- a/sig/increase/resources/intrafi_exclusions.rbs
+++ b/sig/increase/resources/intrafi_exclusions.rbs
@@ -2,8 +2,8 @@ module Increase
   module Resources
     class IntrafiExclusions
       def create: (
-        bank_name: String,
         entity_id: String,
+        fdic_certificate_number: String,
         ?request_options: Increase::request_opts
       ) -> Increase::IntrafiExclusion
 
diff --git a/test/increase/resources/intrafi_exclusions_test.rb b/test/increase/resources/intrafi_exclusions_test.rb
index 39977013..4deff146 100644
--- a/test/increase/resources/intrafi_exclusions_test.rb
+++ b/test/increase/resources/intrafi_exclusions_test.rb
@@ -5,7 +5,10 @@
 class Increase::Test::Resources::IntrafiExclusionsTest < Increase::Test::ResourceTest
   def test_create_required_params
     response =
-      @increase.intrafi_exclusions.create(bank_name: "Example Bank", entity_id: "entity_n8y8tnk2p9339ti393yi")
+      @increase.intrafi_exclusions.create(
+        entity_id: "entity_n8y8tnk2p9339ti393yi",
+        fdic_certificate_number: "314159"
+      )
 
     assert_pattern do
       response => Increase::IntrafiExclusion
@@ -14,7 +17,7 @@ def test_create_required_params
     assert_pattern do
       response => {
         id: String,
-        bank_name: String,
+        bank_name: String | nil,
         created_at: Time,
         entity_id: String,
         excluded_at: Time | nil,
@@ -37,7 +40,7 @@ def test_retrieve
     assert_pattern do
       response => {
         id: String,
-        bank_name: String,
+        bank_name: String | nil,
         created_at: Time,
         entity_id: String,
         excluded_at: Time | nil,
@@ -67,7 +70,7 @@ def test_list
     assert_pattern do
       row => {
         id: String,
-        bank_name: String,
+        bank_name: String | nil,
         created_at: Time,
         entity_id: String,
         excluded_at: Time | nil,
@@ -90,7 +93,7 @@ def test_archive
     assert_pattern do
       response => {
         id: String,
-        bank_name: String,
+        bank_name: String | nil,
         created_at: Time,
         entity_id: String,
         excluded_at: Time | nil,