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Bank Verification

Will the check clear? Is the account information accurate? Know for sure.

Bank verification is a critical part of risk assessment. Understanding a prospects banking status and history can help you understand their propensity for managing credit.

Bank verification can also play a role in identifying the assets and tracing the location of customers whose accounts may be delinquent.

MicroBilt’s bank verification products fall into three categories.

Bank Account Verification & Aggregation
Instant Bank Verification - Consumer

Reduce the time needed for loan decisioning. Instant Bank Verification provides transactional data from over 20,000 financial institutions worldwide.

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Instant Bank Verification - Mortgage

Real-time direct source of banking data. Make smarter mortgage loan decisions, faster.

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Instant Bank Verification - Business

Get real-time access to comprehensive transactional data from over 20,000 financial institutions worldwide.

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Bank Account Holder Risk
Bank Account Verify

Bank Account Verify helps lenders reduce underwriting risk by leveraging a consumer’s reported banking history to more precisely identify qualified borrowers and better predict loan payment default.

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Verify a consumers banking information by pairing it with ABA numbers. Used to flag fraudulent activity.

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Bank Account Prescreen
MicroBilt’s bank account prescreening products make it easy to verify someone’s banking information before you conduct transactions. And predictive analytics mean you can do business with confidence that you know who you’re dealing with and can assess their ability to pay.
ABA Search

A cross-institutional view of a consumer banking activity.

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Risk Verification Database Basic

Risk Verification Database (rVd) Basic looks at historical data on a bank account to predict if an electronic check or ACH debit will process without returning.

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Risk Verification Database Advantage

Risk Verification Database (rVd) Advantage combines MicroBilt’s Risk Verification Database with the ability to validate that the structure of an account is correct for the issuing bank.

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Risk Verification Database Plus

Risk Verification Database (rVd) Plus combines the historical power of MicroBilt’s Risk Verification Database with multiple banking, retail, and billing sources to predict the current status of the bank account.

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OFAC Watchlist Add-On Enhancement

Easily added to Risk Verification Database Basic or Plus, the OFAC Watchlist Add-On Enhancement is a simple and efficient means of comparing the name of any consumer initiating a transaction to the OFAC prohibited list, thereby keeping your business compliance with federal requirements.

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Supported Businesses

MicroBilt’s bank verification products are used across industries for loan origination, risk assessments, fraud detection and debt collection.

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