Bank Account Verify

More predictive. Better performance. Lower costs.


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.


Bank Account Verify offers access to the banking behaviors of more than 100 million consumers and assesses over 1 Billion ACH and check transactions each time a request is submitted.  Using BAV, lenders receive a cross-institutional view of a consumer’s banking activities and other valuable information, including:

  • Current status of the ABA and Account Number submitted on the application
  • Confirmation of the ability to received ACH transactions
  • Identification of other bank accounts associated with the applicant
  • Detection of high risk factors associated with the financial institution
  • A highly predictive Bank Performance Score for underwriting purposes


Lenders in the alternative financial market find Bank Account Verify to be a highly valuable tool in reducing the risk of loan payment defaults related to:

  • Short term installment lending
  • Buy-here-pay here auto financing
  • Check cashing
  • Title lending
  • Retail financing

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