diff --git a/app/controllers/v0/profile/direct_deposits/disability_compensations_controller.rb b/app/controllers/v0/profile/direct_deposits/disability_compensations_controller.rb
index ddd422014f3..f6ed8e38c6f 100644
--- a/app/controllers/v0/profile/direct_deposits/disability_compensations_controller.rb
+++ b/app/controllers/v0/profile/direct_deposits/disability_compensations_controller.rb
@@ -1,6 +1,8 @@
 # frozen_string_literal: true
 
+require 'lighthouse/service_exception'
 require 'lighthouse/direct_deposit/client'
+require 'lighthouse/direct_deposit/error_parser'
 require 'lighthouse/direct_deposit/payment_account'
 
 module V0
@@ -10,6 +12,13 @@ class DisabilityCompensationsController < ApplicationController
         before_action :controller_enabled?
         before_action { authorize :lighthouse, :access_disability_compensations? }
 
+        rescue_from(*Lighthouse::ServiceException::ERROR_MAP.values) do |exception|
+          error = { status: exception.status_code, body: exception.errors.first }
+          response = Lighthouse::DirectDeposit::ErrorParser.parse(error)
+
+          render status: response.status, json: response.body
+        end
+
         def show
           response = client.get_payment_info
 
@@ -18,6 +27,15 @@ def show
                  serializer: DisabilityCompensationsSerializer
         end
 
+        def update
+          response = client.update_payment_info(payment_account)
+          send_confirmation_email
+
+          render status: response.status,
+                 json: response.body,
+                 serializer: DisabilityCompensationsSerializer
+        end
+
         private
 
         def controller_enabled?
diff --git a/app/swagger/swagger/requests/profile.rb b/app/swagger/swagger/requests/profile.rb
index 273ea21fa87..4578fd9ae36 100644
--- a/app/swagger/swagger/requests/profile.rb
+++ b/app/swagger/swagger/requests/profile.rb
@@ -74,14 +74,14 @@ class Profile
           end
 
           response 400 do
-            key :description, ' Bad Request'
+            key :description, 'Bad Request'
             schema do
               key :required, [:errors]
 
               property :errors do
                 key :type, :array
                 items do
-                  key :required, %i[title detail code status]
+                  key :required, %i[title detail code source]
                   property :title, type: :string,
                                    example: 'Invalid field value',
                                    description: 'Error title'
@@ -89,11 +89,11 @@ class Profile
                                     example: 'getDirectDeposit.icn size must be between 17 and 17, getDirectDeposit.icn must match \"^\\d{10}V\\d{6}$\"',
                                     description: 'Description of error (optional)'
                   property :code, type: :string,
-                                  example: 'LIGHTHOUSE_DIRECT_DEPOSIT400',
+                                  example: 'cnp.payment.icn.invalid',
                                   description: 'Service name with code appended'
-                  property :status, type: :string,
-                                    example: '400',
-                                    description: 'http status code'
+                  property :source, type: %i[string object],
+                                    example: 'Lighthouse Direct Deposit',
+                                    description: 'Service name'
                 end
               end
             end
@@ -107,12 +107,13 @@ class Profile
               property :errors do
                 key :type, :array
                 items do
-                  key :required, %i[title detail code status]
+                  key :required, %i[title detail code source]
                   property :title, type: :string, example: 'Invalid token.', description: 'Error title'
                   property :detail, type: %i[string null], description: 'Description of error (optional)'
-                  property :code, type: :string, example: 'LIGHTHOUSE_DIRECT_DEPOSIT401',
-                                  description: 'Service name with code appended'
-                  property :status, type: :string, example: '401', description: 'http status code'
+                  property :code, type: :string, example: 'cnp.payment.invalid.token',
+                                  description: 'Error code'
+                  property :source, type: %i[string object], example: 'Lighthouse Direct Deposit',
+                                    description: 'Service name'
                 end
               end
             end
@@ -126,31 +127,110 @@ class Profile
               property :errors do
                 key :type, :array
                 items do
-                  key :required, %i[title detail code status]
+                  key :required, %i[title detail code source]
                   property :title, type: :string, example: 'Person for ICN not found', description: 'Error title'
                   property :detail, type: :string, example: 'No data found for ICN', description: 'Description of error (optional)'
-                  property :code, type: :string, example: 'LIGHTHOUSE_DIRECT_DEPOSIT404',
+                  property :code, type: :string, example: 'cnp.payment.icn.not.found',
                                   description: 'Service name with code appended'
-                  property :status, type: :string, example: '404', description: 'http status code'
+                  property :source, type: %i[string object], example: 'Lighthouse Direct Deposit',
+                                    description: 'Service name'
                 end
               end
             end
           end
+        end
 
-          response 502 do
-            key :description, 'Bad Gateway'
+        operation :put do
+          key :produces, ['application/json']
+          key :consumes, ['application/json']
+          key :description, 'Update a veterans direct deposit information for compensation and pension benefits'
+          key :tags, %w[
+            profile
+          ]
+
+          parameter :authorization
+
+          parameter do
+            key :name, :body
+            key :in, :body
+            key :description, 'Attributes to update a payment account.'
+            key :required, true
+
+            schema do
+              property :account_number, type: :string, example: '1234567890'
+              property :account_type, type: :string, example: 'Checking'
+              property :routing_number, type: :string, example: '031000503'
+            end
+          end
+
+          response 200 do
+            key :description, 'Direct deposit information for a users compensation and pension benefits.'
+            schema do
+              key :type, :object
+              property(:data) do
+                key :type, :object
+                property :id, type: :string
+                property :type, type: :string
+                property :attributes do
+                  key :type, :object
+
+                  property :control_information do
+                    key :required, %i[
+                      can_update_direct_deposit
+                      is_corp_available
+                      is_corp_rec_found
+                      has_no_bdn_payments
+                      has_identity
+                      has_index
+                      is_competent
+                      has_mailing_address
+                      has_no_fiduciary_assigned
+                      is_not_deceased
+                      has_payment_address
+                    ]
+                    property :can_update_direct_deposit, type: :boolean, example: true, description: 'Must be true to view payment account information'
+                    property :is_corp_available, type: :boolean, example: true, description: ''
+                    property :is_corp_rec_found, type: :boolean, example: true, description: ''
+                    property :has_no_bdn_payments, type: :boolean, example: true, description: ''
+                    property :has_identity, type: :boolean, example: true, description: ''
+                    property :has_index, type: :boolean, example: true, description: ''
+                    property :is_competent, type: :boolean, example: true, description: ''
+                    property :has_mailing_addres, type: :boolean, example: true, description: ''
+                    property :has_no_fiduciary_assigne, type: :boolean, example: true, description: ''
+                    property :is_not_decease, type: :boolean, example: true, description: ''
+                    property :has_payment_address, type: :boolean, example: true, description: ''
+                  end
+
+                  property :payment_account do
+                    key :required, %i[
+                      name
+                      account_type
+                      account_number
+                      routing_number
+                    ]
+                    property :name, type: :string, example: 'WELLS FARGO BANK', description: 'Bank name'
+                    property :account_type, type: :string, enum: %w[CHECKING SAVINGS], example: 'CHECKING', description: 'Bank account type'
+                    property :account_number, type: :string, example: '******7890', description: 'Bank account number (masked)'
+                    property :routing_number, type: :string, example: '*****0503', description: 'Bank routing number (masked)'
+                  end
+                end
+              end
+            end
+          end
+
+          response 400 do
+            key :description, 'Routing number related to fraud'
             schema do
               key :required, [:errors]
 
               property :errors do
                 key :type, :array
                 items do
-                  key :required, %i[title detail code status]
-                  property :title, type: :string, example: 'Required Backend Connection Error', description: 'Error title'
-                  property :detail, type: :string, example: 'e9e04329-b211-11ed-9449-732003342465', description: 'Description of error (optional)'
-                  property :code, type: :string, example: 'LIGHTHOUSE_DIRECT_DEPOSIT502',
-                                  description: 'Service name with code appended'
-                  property :status, type: :string, example: '502', description: 'http status code'
+                  key :required, %i[title detail code source]
+                  property :title, type: :string, example: 'Bad Request', description: 'Error title'
+                  property :detail, type: :string, example: 'Routing number related to potential fraud', description: 'Description of error (optional)'
+                  property :code, type: :string, example: 'cnp.payment.routing.number.fraud.message', description: 'Service name with code appended'
+                  property :source, type: %i[string object], example: 'Lighthouse Direct Deposit', description: 'Service name'
                 end
               end
             end
diff --git a/lib/common/exceptions/forbidden.rb b/lib/common/exceptions/forbidden.rb
index d0755ad0c6b..827e884967d 100644
--- a/lib/common/exceptions/forbidden.rb
+++ b/lib/common/exceptions/forbidden.rb
@@ -10,9 +10,12 @@ class Forbidden < BaseError
       def initialize(options = {})
         @detail = options[:detail]
         @source = options[:source]
+        @errors = options[:errors]
       end
 
       def errors
+        return @errors if @errors.present?
+
         Array(SerializableError.new(i18n_data.merge(detail: @detail, source: @source)))
       end
     end
diff --git a/lib/common/exceptions/unauthorized.rb b/lib/common/exceptions/unauthorized.rb
index 74678515e3c..45cd1d8fc00 100644
--- a/lib/common/exceptions/unauthorized.rb
+++ b/lib/common/exceptions/unauthorized.rb
@@ -10,9 +10,12 @@ class Unauthorized < BaseError
       def initialize(options = {})
         @detail = options[:detail]
         @source = options[:source]
+        @errors = options[:errors]
       end
 
       def errors
+        return @errors if @errors.present?
+
         Array(SerializableError.new(i18n_data.merge(detail: @detail, source: @source)))
       end
     end
diff --git a/lib/lighthouse/direct_deposit/client.rb b/lib/lighthouse/direct_deposit/client.rb
index 47ccfc86e9f..778a56ea699 100644
--- a/lib/lighthouse/direct_deposit/client.rb
+++ b/lib/lighthouse/direct_deposit/client.rb
@@ -24,6 +24,15 @@ def get_payment_info
       handle_error(e, config.settings.client_id, config.base_path)
     end
 
+    def update_payment_info(params)
+      body = build_request_body(params)
+
+      response = config.put("?icn=#{@icn}", body)
+      handle_response(response)
+    rescue Faraday::ClientError, Faraday::ServerError => e
+      handle_error(e, config.settings.client_id, config.base_path)
+    end
+
     private
 
     def handle_response(response)
@@ -38,5 +47,16 @@ def handle_error(error, lighthouse_client_id, base_path)
         base_path
       )
     end
+
+    def build_request_body(payment_account)
+      {
+        'paymentAccount' =>
+        {
+          'accountNumber' => payment_account.account_number,
+          'accountType' => payment_account.account_type,
+          'financialInstitutionRoutingNumber' => payment_account.routing_number
+        }
+      }.to_json
+    end
   end
 end
diff --git a/lib/lighthouse/direct_deposit/error_parser.rb b/lib/lighthouse/direct_deposit/error_parser.rb
new file mode 100644
index 00000000000..c1d3fd9ac3e
--- /dev/null
+++ b/lib/lighthouse/direct_deposit/error_parser.rb
@@ -0,0 +1,84 @@
+# frozen_string_literal: true
+
+require 'lighthouse/direct_deposit/error_response'
+
+module Lighthouse
+  module DirectDeposit
+    class ErrorParser
+      def self.parse(response)
+        status = response[:status]
+        body = response[:body].with_indifferent_access
+        detail = parse_detail(body)
+
+        errors = [
+          {
+            title: parse_title(body),
+            detail:,
+            code: parse_code(detail),
+            source: data_source
+          }
+        ]
+
+        Lighthouse::DirectDeposit::ErrorResponse.new(status, errors)
+      end
+
+      def self.parse_title(body)
+        body[:error] || body[:title] || status_message_from(body[:status]) || 'Unknown error'
+      end
+
+      def self.parse_detail(body)
+        return parse_first_error_code(body) if error_codes?(body)
+
+        body[:error_description] || body[:error] || body[:detail] || body[:message] || 'Unknown error'
+      end
+
+      def self.parse_code(detail)
+        return 'cnp.payment.api.rate.limit.exceeded' if detail.include? 'API rate limit exceeded'
+        return 'cnp.payment.invalid.authentication.creds' if detail.include? 'Invalid authentication credentials'
+        return 'cnp.payment.invalid.token' if detail.include? 'Invalid token'
+        return 'cnp.payment.invalid.scopes' if detail.include? 'scopes are not configured'
+        return 'cnp.payment.icn.not.found' if detail.include? 'No data found for ICN'
+        return 'cnp.payment.icn.invalid' if detail.include? 'getDirectDeposit.icn size'
+        return 'cnp.payment.account.number.invalid' if detail.include? 'payment.accountNumber.invalid'
+        return 'cnp.payment.routing.number.invalid' if detail.include? 'payment.accountRoutingNumber.invalid'
+        return 'cnp.payment.account.type.invalid' if detail.include? 'payment.accountType.invalid'
+        return 'cnp.payment.routing.number.invalid.checksum' if detail.include? 'accountRoutingNumber.invalidCheckSum'
+        return 'cnp.payment.restriction.indicators.present'  if detail.include? 'restriction.indicators.present'
+        return 'cnp.payment.routing.number.fraud' if detail.include? 'Routing number related to potential fraud'
+        return 'cnp.payment.accounting.number.fraud' if detail.include? 'Flashes on record'
+        return 'cnp.payment.unspecified.error' if detail.include? 'GUIE50022'
+
+        'cnp.payment.generic.error'
+      end
+
+      def self.data_source
+        'Lighthouse Direct Deposit'
+      end
+
+      def self.parse_first_error_code(body)
+        body[:error_codes][0][:error_code]
+      end
+
+      def self.parse_first_error_detail(body)
+        body[:error_codes][0][:detail]
+      end
+
+      def self.error_codes?(body)
+        body[:error_codes].present?
+      end
+
+      def self.status_message_from(code)
+        case code
+        when 401
+          'Not Authorized'
+        when 403
+          'Forbidden'
+        when 413
+          'Payload too large'
+        when 429
+          'Too many requests'
+        end
+      end
+    end
+  end
+end
diff --git a/lib/lighthouse/direct_deposit/error_response.rb b/lib/lighthouse/direct_deposit/error_response.rb
new file mode 100644
index 00000000000..7775634210e
--- /dev/null
+++ b/lib/lighthouse/direct_deposit/error_response.rb
@@ -0,0 +1,45 @@
+# frozen_string_literal: true
+
+module Lighthouse
+  module DirectDeposit
+    class ErrorResponse
+      attr_accessor :status, :errors
+
+      def initialize(status, errors)
+        @status = status
+        @errors = errors || []
+      end
+
+      def response
+        {
+          status: @status,
+          body:
+        }
+      end
+
+      def body
+        { errors: @errors }
+      end
+
+      def code
+        errors.first[:code]
+      end
+
+      def title
+        errors.first[:title]
+      end
+
+      def detail
+        errors.first[:detail]
+      end
+
+      def message
+        "#{code}: #{title} - #{detail}"
+      end
+
+      def error?
+        true
+      end
+    end
+  end
+end
diff --git a/lib/lighthouse/service_exception.rb b/lib/lighthouse/service_exception.rb
index 6d3082dfe3c..3f9c3e8456a 100644
--- a/lib/lighthouse/service_exception.rb
+++ b/lib/lighthouse/service_exception.rb
@@ -73,7 +73,12 @@ def self.get_errors_from_response(error, error_status = nil)
     def self.error_object_details(error_body, error_status)
       status = error_status&.to_s
       title = error_body['title'] || error_class(status.to_sym).to_s
-      detail = error_body['detail'] || error_body['message'] || error_body['error'] || 'No details provided'
+      detail = error_body['detail'] ||
+               error_body['message'] ||
+               error_body['error'] ||
+               error_body['error_description'] ||
+               'No details provided'
+
       code = error_body['code'] || error_status&.to_s
 
       [status, title, detail, code]
diff --git a/spec/controllers/v0/profile/direct_deposits/disability_compensations_controller_spec.rb b/spec/controllers/v0/profile/direct_deposits/disability_compensations_controller_spec.rb
index dfc546de963..1ab513ca83e 100644
--- a/spec/controllers/v0/profile/direct_deposits/disability_compensations_controller_spec.rb
+++ b/spec/controllers/v0/profile/direct_deposits/disability_compensations_controller_spec.rb
@@ -14,7 +14,7 @@
   describe '#show' do
     context 'when successful' do
       it 'returns a status of 200' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/200_response') do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
           get(:show)
         end
 
@@ -22,14 +22,13 @@
       end
 
       it 'returns a payment account' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/200_response') do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
           get(:show)
         end
 
         json = JSON.parse(response.body)
         payment_account = json['data']['attributes']['payment_account']
 
-        expect(payment_account).not_to be_nil
         expect(payment_account['name']).to eq('WELLS FARGO BANK')
         expect(payment_account['account_type']).to eq('CHECKING')
         expect(payment_account['account_number']).to eq('******7890')
@@ -37,45 +36,106 @@
       end
 
       it 'returns control information' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/200_response') do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
           get(:show)
         end
 
         json = JSON.parse(response.body)
         control_info = json['data']['attributes']['control_information']
 
-        expect(json['errors']).to be_nil
         expect(control_info['can_update_direct_deposit']).to be(true)
       end
+
+      it 'does not return errors' do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
+          get(:show)
+        end
+
+        json = JSON.parse(response.body)
+        expect(json['errors']).to be_nil
+      end
+    end
+
+    context 'when has restrictions' do
+      it 'control info has flags set to false' do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_has_restrictions') do
+          get(:show)
+        end
+
+        json = JSON.parse(response.body)['data']['attributes']
+        expect(json['control_information']['can_update_direct_deposit']).to be(false)
+        expect(json['control_information']['has_payment_address']).to be(false)
+      end
+    end
+
+    context 'when invalid scopes are provided' do
+      it 'returns a 400' do
+        VCR.use_cassette('lighthouse/direct_deposit/show/400_invalid_scopes') do
+          get(:show)
+        end
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(response).to have_http_status(:bad_request)
+        expect(e['code']).to eq('cnp.payment.invalid.scopes')
+      end
     end
 
     context 'when not authorized' do
       it 'returns a status of 401' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/401_response') do
+        VCR.use_cassette('lighthouse/direct_deposit/show/401_invalid_token') do
           get(:show)
         end
 
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
         expect(response).to have_http_status(:unauthorized)
+        expect(e['code']).to eq('cnp.payment.invalid.token')
       end
     end
 
     context 'when ICN not found' do
       it 'returns a status of 404' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/404_response') do
+        VCR.use_cassette('lighthouse/direct_deposit/show/404_icn_not_found') do
           get(:show)
         end
 
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
         expect(response).to have_http_status(:not_found)
+        expect(e['code']).to eq('cnp.payment.icn.not.found')
       end
     end
 
-    context 'when bad gateway' do
-      it 'returns a status of 502' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/502_response') do
+    context 'when lighthouse direct deposit feature flag is disabled' do
+      before do
+        allow(Flipper).to receive(:enabled?).with(:profile_lighthouse_direct_deposit, instance_of(User))
+                                            .and_return(false)
+      end
+
+      it 'returns routing error' do
+        VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
           get(:show)
         end
 
-        expect(response).to have_http_status(:bad_gateway)
+        expect(response).to have_http_status(:not_found)
+      end
+    end
+  end
+
+  describe '#update' do
+    context 'when successful' do
+      it 'returns a status of 200' do
+        params = { account_number: '1234567890', account_type: 'CHECKING', routing_number: '031000503' }
+
+        VCR.use_cassette('lighthouse/direct_deposit/update/200_valid') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:ok)
       end
     end
 
@@ -86,12 +146,128 @@
       end
 
       it 'returns routing error' do
-        VCR.use_cassette('lighthouse/direct_deposit/show/200_response') do
-          get(:show)
+        params = { account_number: '1234567890', account_type: 'CHECKING', routing_number: '031000503' }
+
+        VCR.use_cassette('lighthouse/direct_deposit/update/200_valid') do
+          put(:update, params:)
         end
 
         expect(response).to have_http_status(:not_found)
       end
     end
+
+    context 'when missing account type' do
+      let(:params) do
+        {
+          routing_number: '031000503',
+          account_number: '12345678'
+        }
+      end
+
+      it 'returns a validation error' do
+        VCR.use_cassette('lighthouse/direct_deposit/update/400_invalid_account_type') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:bad_request)
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(e).not_to be_nil
+        expect(e['title']).to eq('Bad Request')
+        expect(e['code']).to eq('cnp.payment.account.type.invalid')
+      end
+    end
+
+    context 'when missing account number' do
+      let(:params) do
+        {
+          account_type: 'CHECKING',
+          routing_number: '031000503'
+        }
+      end
+
+      it 'returns a validation error' do
+        VCR.use_cassette('lighthouse/direct_deposit/update/400_invalid_account_number') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:bad_request)
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(e).not_to be_nil
+        expect(e['title']).to eq('Bad Request')
+        expect(e['code']).to eq('cnp.payment.account.number.invalid')
+      end
+    end
+
+    context 'when missing routing number' do
+      let(:params) do
+        {
+          account_type: 'CHECKING',
+          account_number: '12345678'
+        }
+      end
+
+      it 'returns a validation error' do
+        VCR.use_cassette('lighthouse/direct_deposit/update/400_invalid_routing_number') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:bad_request)
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(e).not_to be_nil
+        expect(e['title']).to eq('Bad Request')
+        expect(e['code']).to eq('cnp.payment.routing.number.invalid')
+      end
+    end
+
+    context 'when fraud flag is present' do
+      let(:params) do
+        {
+          account_type: 'CHECKING',
+          account_number: '1234567890',
+          routing_number: '031000503'
+        }
+      end
+
+      it 'returns a routing number fraud error' do
+        VCR.use_cassette('lighthouse/direct_deposit/update/400_routing_number_fraud') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:bad_request)
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(e).not_to be_nil
+        expect(e['title']).to eq('Bad Request')
+        expect(e['code']).to eq('cnp.payment.routing.number.fraud')
+        expect(e['source']).to eq('Lighthouse Direct Deposit')
+      end
+
+      it 'returns an account number fraud error' do
+        VCR.use_cassette('lighthouse/direct_deposit/update/400_account_number_fraud') do
+          put(:update, params:)
+        end
+
+        expect(response).to have_http_status(:bad_request)
+
+        json = JSON.parse(response.body)
+        e = json['errors'].first
+
+        expect(e).not_to be_nil
+        expect(e['title']).to eq('Bad Request')
+        expect(e['code']).to eq('cnp.payment.accounting.number.fraud')
+        expect(e['source']).to eq('Lighthouse Direct Deposit')
+      end
+    end
   end
 end
diff --git a/spec/requests/swagger_spec.rb b/spec/requests/swagger_spec.rb
index 1c0ce0d0c32..64ca98a1073 100644
--- a/spec/requests/swagger_spec.rb
+++ b/spec/requests/swagger_spec.rb
@@ -2246,36 +2246,53 @@
       context 'GET' do
         it 'returns a 200' do
           headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
-          VCR.use_cassette('lighthouse/direct_deposit/show/200_response') do
+          VCR.use_cassette('lighthouse/direct_deposit/show/200_valid') do
             expect(subject).to validate(:get, '/v0/profile/direct_deposits/disability_compensations', 200, headers)
           end
         end
 
         it 'returns a 400' do
           headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
-          VCR.use_cassette('lighthouse/direct_deposit/show/400_response') do
+          VCR.use_cassette('lighthouse/direct_deposit/show/400_invalid_icn') do
             expect(subject).to validate(:get, '/v0/profile/direct_deposits/disability_compensations', 400, headers)
           end
         end
 
         it 'returns a 401' do
           headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
-          VCR.use_cassette('lighthouse/direct_deposit/show/401_response') do
+          VCR.use_cassette('lighthouse/direct_deposit/show/401_invalid_token') do
             expect(subject).to validate(:get, '/v0/profile/direct_deposits/disability_compensations', 401, headers)
           end
         end
 
         it 'returns a 404' do
           headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
-          VCR.use_cassette('lighthouse/direct_deposit/show/404_response') do
+          VCR.use_cassette('lighthouse/direct_deposit/show/404_icn_not_found') do
             expect(subject).to validate(:get, '/v0/profile/direct_deposits/disability_compensations', 404, headers)
           end
         end
+      end
 
-        it 'returns a 502' do
+      context 'PUT' do
+        it 'returns a 200' do
+          headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
+          params = { account_number: '1234567890', account_type: 'CHECKING', routing_number: '031000503' }
+          VCR.use_cassette('lighthouse/direct_deposit/update/200_valid') do
+            expect(subject).to validate(:put,
+                                        '/v0/profile/direct_deposits/disability_compensations',
+                                        200,
+                                        headers.merge('_data' => params))
+          end
+        end
+
+        it 'returns a 400' do
           headers = { '_headers' => { 'Cookie' => sign_in(user, nil, true) } }
-          VCR.use_cassette('lighthouse/direct_deposit/show/502_response') do
-            expect(subject).to validate(:get, '/v0/profile/direct_deposits/disability_compensations', 502, headers)
+          params = { account_number: '1234567890', account_type: 'CHECKING', routing_number: '031000503' }
+          VCR.use_cassette('lighthouse/direct_deposit/update/400_routing_number_fraud') do
+            expect(subject).to validate(:put,
+                                        '/v0/profile/direct_deposits/disability_compensations',
+                                        400,
+                                        headers.merge('_data' => params))
           end
         end
       end
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_has_restrictions.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_has_restrictions.yml
new file mode 100644
index 00000000000..44cec0895ac
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_has_restrictions.yml
@@ -0,0 +1,65 @@
+---
+http_interactions:
+- request:
+    method: get
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      Accept:
+      - application/json
+      Content-Type:
+      - application/json
+      User-Agent:
+      - Vets.gov Agent
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+  response:
+    status:
+      code: 200
+      message: ''
+    headers:
+      Date:
+      - Thu, 23 Feb 2023 21:47:59 GMT
+      Content-Type:
+      - application/json;charset=UTF-8
+      Connection:
+      - keep-alive
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '58'
+      Ratelimit-Reset:
+      - '7'
+      Ratelimit-Limit:
+      - '60'
+      X-Ratelimit-Remaining-Minute:
+      - '58'
+      Content-Language:
+      - en-US
+      Pragma:
+      - no-cache
+      - no-cache
+      X-Kong-Upstream-Latency:
+      - '5345'
+      X-Kong-Proxy-Latency:
+      - '2'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Cache-Control:
+      - no-cache, no-store
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: ASCII-8BIT
+      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503","financialInstitutionName":"WELLS
+        FARGO BANK"},"controlInformation":{"canUpdateDirectDeposit":false,"isCorpAvailable":true,"isCorpRecFound":true,"hasNoBdnPayments":true,"hasIndentity":true,"hasIndex":true,"isCompetent":true,"hasMailingAddress":true,"hasNoFiduciaryAssigned":true,"isNotDeceased":true,"hasPaymentAddress":false}}'
+  recorded_at: Thu, 23 Feb 2023 21:47:59 GMT
+recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_valid.yml
similarity index 100%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/show/200_valid.yml
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_invalid_icn.yml
similarity index 100%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_invalid_icn.yml
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/422_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_unspecified_error.yml
similarity index 78%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/update/422_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_unspecified_error.yml
index 1935b1d874c..5805da79d94 100644
--- a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/422_response.yml
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/400_unspecified_error.yml
@@ -1,12 +1,11 @@
 ---
 http_interactions:
 - request:
-    method: put
+    method: get
     uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
     body:
-      encoding: UTF-8
-      string: '"{\"account_type\"=>\"CHECKING\", \"account_number\"=>\"1234567890\",
-        \"routing_number\"=>\"031000503\"}"'
+      encoding: US-ASCII
+      string: ''
     headers:
       Accept:
       - application/json
@@ -20,38 +19,34 @@ http_interactions:
       - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
   response:
     status:
-      code: 401
+      code: 400
       message: Unauthorized
     headers:
       Date:
-      - Tue, 04 Apr 2023 03:39:48 GMT
+      - Fri, 19 May 2023 20:51:01 GMT
       Content-Type:
       - application/json
       Connection:
       - keep-alive
-      X-Ratelimit-Remaining-Minute:
-      - '59'
       X-Ratelimit-Limit-Minute:
       - '60'
       Ratelimit-Remaining:
       - '59'
       Ratelimit-Reset:
-      - '12'
+      - '59'
       Ratelimit-Limit:
       - '60'
+      X-Ratelimit-Remaining-Minute:
+      - '59'
       Www-Authenticate:
       - Bearer
       X-Kong-Response-Latency:
-      - '257'
+      - '111'
       Strict-Transport-Security:
       - max-age=16000000; includeSubDomains; preload;
       - max-age=31536000; includeSubDomains; preload
       Access-Control-Allow-Origin:
       - "*"
-      X-Kong-Upstream-Latency:
-      - '265'
-      X-Kong-Proxy-Latency:
-      - '0'
       Cache-Control:
       - ''
       X-Frame-Options:
@@ -62,5 +57,5 @@ http_interactions:
       encoding: UTF-8
       string: "{ \n  \"status\": 401,\n  \"error\": \"Invalid token.\",\n  \"path\":
         \"/direct-deposit-management/v1/direct-deposit\"\n}\n"
-  recorded_at: Tue, 04 Apr 2023 03:39:48 GMT
+  recorded_at: Fri, 19 May 2023 20:51:01 GMT
 recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/401_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/401_invalid_token.yml
similarity index 100%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/show/401_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/show/401_invalid_token.yml
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/404_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/404_icn_not_found.yml
similarity index 100%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/show/404_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/show/404_icn_not_found.yml
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_response.yml
index acfc4ca93aa..43a225638d8 100644
--- a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_response.yml
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_response.yml
@@ -4,64 +4,58 @@ http_interactions:
     method: put
     uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
     body:
-      encoding: US-ASCII
-      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503"}}'
+      encoding: UTF-8
+      string: '{"paymentAccount":{"accountNumber":"1234567890","accountType":"CHECKING","financialInstitutionRoutingNumber":"031000503"}}'
     headers:
-      Accept-Encoding:
-      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
       Accept:
-      - "*/*"
+      - application/json
+      Content-Type:
+      - application/json
       User-Agent:
-      - Ruby
-      Host:
-      - sandbox-api.va.gov
+      - Vets.gov Agent
       Authorization:
       - Bearer abcdefghijklmnop
-      Content-Type:
-      - application/json
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
   response:
     status:
-      code: 200
-      message: ''
+      code: 401
+      message: Unauthorized
     headers:
       Date:
-      - Thu, 23 Feb 2023 21:47:59 GMT
+      - Fri, 19 May 2023 20:51:03 GMT
       Content-Type:
-      - application/json;charset=UTF-8
+      - application/json
       Connection:
       - keep-alive
       X-Ratelimit-Limit-Minute:
       - '60'
       Ratelimit-Remaining:
-      - '58'
+      - '57'
       Ratelimit-Reset:
-      - '7'
+      - '58'
       Ratelimit-Limit:
       - '60'
       X-Ratelimit-Remaining-Minute:
-      - '58'
-      Content-Language:
-      - en-US
-      Pragma:
-      - no-cache
-      - no-cache
-      X-Kong-Upstream-Latency:
-      - '5345'
-      X-Kong-Proxy-Latency:
-      - '2'
-      Via:
-      - kong/3.0.2
-      Access-Control-Allow-Origin:
-      - "*"
+      - '57'
+      Www-Authenticate:
+      - Bearer
+      X-Kong-Response-Latency:
+      - '86'
       Strict-Transport-Security:
+      - max-age=16000000; includeSubDomains; preload;
       - max-age=31536000; includeSubDomains; preload
+      Access-Control-Allow-Origin:
+      - "*"
       Cache-Control:
-      - no-cache, no-store
+      - ''
+      X-Frame-Options:
+      - SAMEORIGIN
       Transfer-Encoding:
       - chunked
     body:
-      encoding: ASCII-8BIT
-      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503","financialInstitutionName":"WELLS
-        FARGO BANK"},"controlInformation":{"canUpdateDirectDeposit":true,"isCorpAvailable":true,"isCorpRecFound":true,"hasNoBdnPayments":true,"hasIndentity":true,"hasIndex":true,"isCompetent":true,"hasMailingAddress":true,"hasNoFiduciaryAssigned":true,"isNotDeceased":true,"hasPaymentAddress":true}}'
-  recorded_at: Thu, 23 Feb 2023 21:47:59 GMT
+      encoding: UTF-8
+      string: "{ \n  \"status\": 401,\n  \"error\": \"Invalid token.\",\n  \"path\":
+        \"/direct-deposit-management/v1/direct-deposit\"\n}\n"
+  recorded_at: Fri, 19 May 2023 20:51:03 GMT
 recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_valid.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_valid.yml
new file mode 100644
index 00000000000..acfc4ca93aa
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/200_valid.yml
@@ -0,0 +1,67 @@
+---
+http_interactions:
+- request:
+    method: put
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: US-ASCII
+      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503"}}'
+    headers:
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+      Host:
+      - sandbox-api.va.gov
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Content-Type:
+      - application/json
+  response:
+    status:
+      code: 200
+      message: ''
+    headers:
+      Date:
+      - Thu, 23 Feb 2023 21:47:59 GMT
+      Content-Type:
+      - application/json;charset=UTF-8
+      Connection:
+      - keep-alive
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '58'
+      Ratelimit-Reset:
+      - '7'
+      Ratelimit-Limit:
+      - '60'
+      X-Ratelimit-Remaining-Minute:
+      - '58'
+      Content-Language:
+      - en-US
+      Pragma:
+      - no-cache
+      - no-cache
+      X-Kong-Upstream-Latency:
+      - '5345'
+      X-Kong-Proxy-Latency:
+      - '2'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Cache-Control:
+      - no-cache, no-store
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: ASCII-8BIT
+      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503","financialInstitutionName":"WELLS
+        FARGO BANK"},"controlInformation":{"canUpdateDirectDeposit":true,"isCorpAvailable":true,"isCorpRecFound":true,"hasNoBdnPayments":true,"hasIndentity":true,"hasIndex":true,"isCompetent":true,"hasMailingAddress":true,"hasNoFiduciaryAssigned":true,"isNotDeceased":true,"hasPaymentAddress":true}}'
+  recorded_at: Thu, 23 Feb 2023 21:47:59 GMT
+recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/201_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_account_number_fraud.yml
similarity index 70%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/update/201_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_account_number_fraud.yml
index cfb665ea677..b888ebcc779 100644
--- a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/201_response.yml
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_account_number_fraud.yml
@@ -19,11 +19,11 @@ http_interactions:
       - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
   response:
     status:
-      code: 401
+      code: 400
       message: Unauthorized
     headers:
       Date:
-      - Wed, 05 Apr 2023 23:52:42 GMT
+      - Fri, 19 May 2023 19:13:30 GMT
       Content-Type:
       - application/json
       Connection:
@@ -34,23 +34,19 @@ http_interactions:
       - '60'
       Ratelimit-Remaining:
       - '59'
-      Ratelimit-Reset:
-      - '18'
       Ratelimit-Limit:
       - '60'
+      Ratelimit-Reset:
+      - '30'
       Www-Authenticate:
       - Bearer
       X-Kong-Response-Latency:
-      - '305'
+      - '80'
       Strict-Transport-Security:
       - max-age=16000000; includeSubDomains; preload;
       - max-age=31536000; includeSubDomains; preload
       Access-Control-Allow-Origin:
       - "*"
-      X-Kong-Upstream-Latency:
-      - '312'
-      X-Kong-Proxy-Latency:
-      - '1'
       Cache-Control:
       - ''
       X-Frame-Options:
@@ -59,7 +55,12 @@ http_interactions:
       - chunked
     body:
       encoding: UTF-8
-      string: "{ \n  \"status\": 401,\n  \"error\": \"Invalid token.\",\n  \"path\":
-        \"/direct-deposit-management/v1/direct-deposit\"\n}\n"
-  recorded_at: Wed, 05 Apr 2023 23:52:42 GMT
+      string: '{
+        "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+        "title": "Bad Request",
+        "status": 400,
+        "detail": "No changes were made. Request was sent to Benefits Gateway Service (BGS), but BGS update failed. Unknown issue(s). Raw response from BGS: Failed to update Address/Bank Info. Flashes on record.",
+        "instance": "e48e3aeb-f312-11ec-88e8-f55e56a472a2"
+      }'
+  recorded_at: Fri, 19 May 2023 19:13:30 GMT
 recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/502_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_generic_error.yml
similarity index 58%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/show/502_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_generic_error.yml
index 85cd320396b..34432286cc1 100644
--- a/spec/support/vcr_cassettes/lighthouse/direct_deposit/show/502_response.yml
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_generic_error.yml
@@ -1,11 +1,11 @@
 ---
 http_interactions:
 - request:
-    method: get
+    method: put
     uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
     body:
       encoding: US-ASCII
-      string: ''
+      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503"}}'
     headers:
       Accept-Encoding:
       - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
@@ -17,47 +17,56 @@ http_interactions:
       - sandbox-api.va.gov
       Authorization:
       - Bearer abcdefghijklmnop
+      Content-Type:
+      - application/json
   response:
     status:
-      code: 502
+      code: 400
       message: ''
     headers:
       Date:
-      - Tue, 21 Feb 2023 18:02:36 GMT
+      - Thu, 23 Feb 2023 21:47:59 GMT
       Content-Type:
       - application/json;charset=UTF-8
       Connection:
       - keep-alive
-      Ratelimit-Reset:
-      - '29'
       X-Ratelimit-Limit-Minute:
       - '60'
-      X-Ratelimit-Remaining-Minute:
-      - '59'
+      Ratelimit-Remaining:
+      - '58'
+      Ratelimit-Reset:
+      - '7'
       Ratelimit-Limit:
       - '60'
-      Ratelimit-Remaining:
-      - '59'
+      X-Ratelimit-Remaining-Minute:
+      - '58'
       Content-Language:
       - en-US
+      Pragma:
+      - no-cache
+      - no-cache
       X-Kong-Upstream-Latency:
-      - '4450'
+      - '5345'
       X-Kong-Proxy-Latency:
-      - '9'
+      - '2'
       Via:
       - kong/3.0.2
       Access-Control-Allow-Origin:
       - "*"
-      Cache-Control:
-      - ''
       Strict-Transport-Security:
       - max-age=31536000; includeSubDomains; preload
+      Cache-Control:
+      - no-cache, no-store
       Transfer-Encoding:
       - chunked
     body:
-      encoding: UTF-8
-      string: '{"type":"https://api.va.gov/services/direct-deposit-management/errors/required-connection-exception","title":"Required
-        Backend Connection Error","status":502,"detail":"e9e04329-b211-11ed-9449-732003342465","instance":"Backend
-        Connection Error - Failed to retrieve data from MPI","debuggingPayload":"kiosrLjDAAIH8t/GfzCb1tQ+YT0ivptTY4u8gmkhZyr6KOzoSWZ6yaqh9u/9xpLsPEbTG2cHqdcHKjIe6Gcf+R/7ea+HR41Fk4dzeEHQAtYS3+RXg1SkWDVpz7xVPdsBZkiJM5KvA968ynE2RaNDEv0nIQtUR+nG8SQC61TNWaYiVNMA4C6gwgvJi8Ne0h3Vh7bDCbmLmRDBfa6QtYd9CQ=="}'
-  recorded_at: Tue, 21 Feb 2023 18:02:36 GMT
+      encoding: ASCII-8BIT
+      string: '{
+        "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+        "title": "Bad Request",
+        "status": 400,
+        "detail": "Something unknown went wrong. Please try again later.",
+        "instance": "06ef48e9-f0c2-11ed-8091-578ca955e798",
+        "errorCodes": []}'
+  recorded_at: Thu, 23 Feb 2023 21:47:59 GMT
 recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_number.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_number.yml
new file mode 100644
index 00000000000..3cc42c47f40
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_number.yml
@@ -0,0 +1,72 @@
+---
+http_interactions:
+- request:
+    method: put
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: UTF-8
+      string: '{"paymentAccount":{"accountNumber":"1234567890","accountType":"CHECKING","financialInstitutionRoutingNumber":"031000503"}}'
+    headers:
+      Accept:
+      - application/json
+      Content-Type:
+      - application/json
+      User-Agent:
+      - Vets.gov Agent
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+  response:
+    status:
+      code: 400
+      message: ''
+    headers:
+      Date:
+      - Mon, 20 Feb 2023 18:45:14 GMT
+      Content-Type:
+      - application/json
+      Connection:
+      - keep-alive
+      X-Ratelimit-Remaining-Minute:
+      - '59'
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '59'
+      Ratelimit-Limit:
+      - '60'
+      Ratelimit-Reset:
+      - '47'
+      Content-Language:
+      - en-US
+      X-Kong-Upstream-Latency:
+      - '735'
+      X-Kong-Proxy-Latency:
+      - '0'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Cache-Control:
+      - ''
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: UTF-8
+      string: '{
+                "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+                "title": "Bad Request",
+                "status": 400,
+                "detail": "accountNumber invalid. It must match ^[a-zA-Z\\d]{1,17}$",
+                "instance": "f9750380-7905-4d67-a17f-967b5c7dfc60",
+                "errorCodes": [
+                  {
+                    "errorCode": "payment.accountNumber.invalid"
+                  }
+                ]
+              }'
+  recorded_at: Mon, 20 Feb 2023 18:45:14 GMT
+recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_type.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_type.yml
new file mode 100644
index 00000000000..83afc9b490e
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_account_type.yml
@@ -0,0 +1,72 @@
+---
+http_interactions:
+- request:
+    method: put
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: UTF-8
+      string: '{"paymentAccount":{"accountNumber":"1234567890","accountType":"CHECKING","financialInstitutionRoutingNumber":"031000503"}}'
+    headers:
+      Accept:
+      - application/json
+      Content-Type:
+      - application/json
+      User-Agent:
+      - Vets.gov Agent
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+  response:
+    status:
+      code: 400
+      message: ''
+    headers:
+      Date:
+      - Mon, 20 Feb 2023 18:45:14 GMT
+      Content-Type:
+      - application/json
+      Connection:
+      - keep-alive
+      X-Ratelimit-Remaining-Minute:
+      - '59'
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '59'
+      Ratelimit-Limit:
+      - '60'
+      Ratelimit-Reset:
+      - '47'
+      Content-Language:
+      - en-US
+      X-Kong-Upstream-Latency:
+      - '735'
+      X-Kong-Proxy-Latency:
+      - '0'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Cache-Control:
+      - ''
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: UTF-8
+      string: '{
+                "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+                "title": "Bad Request",
+                "status": 400,
+                "detail": "accountType must be defined as either checking or savings",
+                "instance": "984d674e-b969-496c-8db9-1266d3ec5454",
+                "errorCodes": [
+                  {
+                    "errorCode": "payment.accountType.invalid"
+                  }
+                ]
+              }'
+  recorded_at: Mon, 20 Feb 2023 18:45:14 GMT
+recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_routing_number.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_routing_number.yml
new file mode 100644
index 00000000000..6e7dc53db67
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_invalid_routing_number.yml
@@ -0,0 +1,72 @@
+---
+http_interactions:
+- request:
+    method: put
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: UTF-8
+      string: '{"paymentAccount":{"accountNumber":"1234567890","accountType":"CHECKING","financialInstitutionRoutingNumber":"031000503"}}'
+    headers:
+      Accept:
+      - application/json
+      Content-Type:
+      - application/json
+      User-Agent:
+      - Vets.gov Agent
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+  response:
+    status:
+      code: 400
+      message: ''
+    headers:
+      Date:
+      - Mon, 20 Feb 2023 18:45:14 GMT
+      Content-Type:
+      - application/json
+      Connection:
+      - keep-alive
+      X-Ratelimit-Remaining-Minute:
+      - '59'
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '59'
+      Ratelimit-Limit:
+      - '60'
+      Ratelimit-Reset:
+      - '47'
+      Content-Language:
+      - en-US
+      X-Kong-Upstream-Latency:
+      - '735'
+      X-Kong-Proxy-Latency:
+      - '0'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Cache-Control:
+      - ''
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: UTF-8
+      string: '{
+                "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+                "title": "Bad Request",
+                "status": 400,
+                "detail": "financialInstitutionRoutingNumber invalid. It must match ^\\d{9}$",
+                "instance": "61b45dc6-058d-4449-862c-567dbb9290d9",
+                "errorCodes": [
+                  {
+                    "errorCode": "payment.accountRoutingNumber.invalid"
+                  }
+                ]
+              }'
+  recorded_at: Mon, 20 Feb 2023 18:45:14 GMT
+recorded_with: VCR 6.1.0
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_response.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_routing_number_fraud.yml
similarity index 100%
rename from spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_response.yml
rename to spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_routing_number_fraud.yml
diff --git a/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_unspecified_error.yml b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_unspecified_error.yml
new file mode 100644
index 00000000000..d2c39106ab0
--- /dev/null
+++ b/spec/support/vcr_cassettes/lighthouse/direct_deposit/update/400_unspecified_error.yml
@@ -0,0 +1,72 @@
+---
+http_interactions:
+- request:
+    method: put
+    uri: https://sandbox-api.va.gov/services/direct-deposit-management/v1/direct-deposit?icn=1012666073V986297
+    body:
+      encoding: US-ASCII
+      string: '{"paymentAccount":{"accountType":"CHECKING","accountNumber":"1234567890","financialInstitutionRoutingNumber":"031000503"}}'
+    headers:
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+      Host:
+      - sandbox-api.va.gov
+      Authorization:
+      - Bearer abcdefghijklmnop
+      Content-Type:
+      - application/json
+  response:
+    status:
+      code: 400
+      message: ''
+    headers:
+      Date:
+      - Thu, 23 Feb 2023 21:47:59 GMT
+      Content-Type:
+      - application/json;charset=UTF-8
+      Connection:
+      - keep-alive
+      X-Ratelimit-Limit-Minute:
+      - '60'
+      Ratelimit-Remaining:
+      - '58'
+      Ratelimit-Reset:
+      - '7'
+      Ratelimit-Limit:
+      - '60'
+      X-Ratelimit-Remaining-Minute:
+      - '58'
+      Content-Language:
+      - en-US
+      Pragma:
+      - no-cache
+      - no-cache
+      X-Kong-Upstream-Latency:
+      - '5345'
+      X-Kong-Proxy-Latency:
+      - '2'
+      Via:
+      - kong/3.0.2
+      Access-Control-Allow-Origin:
+      - "*"
+      Strict-Transport-Security:
+      - max-age=31536000; includeSubDomains; preload
+      Cache-Control:
+      - no-cache, no-store
+      Transfer-Encoding:
+      - chunked
+    body:
+      encoding: ASCII-8BIT
+      string: '{
+        "type": "https://api.va.gov/direct-deposit-management/errors/bad-request",
+        "title": "Bad Request",
+        "status": 400,
+        "detail": "No changes were made. Request was sent to Benefits Gateway Service (BGS), but BGS update failed. Unknown issue(s). Raw response from BGS: Update Failed: GUIE50041&FABusnsTranRule(CFABUSNS_TRAN) Failed with Exception!!  FILE: FABTInterfaceCreator.cpp  LINE: 350This update is being elevated for additional review due to an Incident Flash associated with this Beneficiary: - An unexpected error was encountered.  Please contact the System Administrator. Error is: GUIE50041&FABusnsTranRule(CFABUSNS_TRAN) Failed with Exception!!  FILE: FABTInterfaceCreator.cpp  LINE: 350This update is being elevated for additional review due to an Incident Flash associated with this Beneficiary:",
+        "instance": "06ef48e9-f0c2-11ed-8091-578ca955e798",
+        "errorCodes": []}'
+  recorded_at: Thu, 23 Feb 2023 21:47:59 GMT
+recorded_with: VCR 6.1.0