API-Imperfect/simple-bank ? reverse-engineered prompt

Build me a simple banking API in Go that lets me create accounts, look up account details, and move money between accounts safely.

I want it to feel like a small real backend service, with clean HTTP endpoints, proper request and response handling, and a database backed implementation. Please include the basic banking flow, like creating a user account, listing or fetching accounts, depositing and withdrawing through transfers, and making sure balances stay consistent when two accounts are involved.

Set it up so it is easy to run locally, easy to test, and easy to extend later. If you need to check current Go or database docs while wiring things up, go ahead. Please also add whatever is needed for migrations, database access, and a simple way to start the server and verify the API works.