Check Verification

Check Verification is a fast, easy, and accurate way to verify bank accounts in real time, providing various levels of information from multiple sources. Now you can make an informed decision when accepting a check or ACH as a payment option. The service is available as an independent program, a web application (click here to view demo ) or an integrated service via our ACHWorks SOAP API (click here to download API) .

Three levels of verification (A, B and C) are used to automatically validate the account. Two levels of processing (D and E) are used to check the integrity and availability of the verification levels. Verification of the account is first attempted through Level A, the most accurate validation level. Level A is a real-time amount verification process indicating if there are sufficient funds in the account to cover the entered transaction amount. Level A is available from a limited, but ever-growing number of participating banks.

If the customer account does not belong to any of the Level A participating banks, account verification will then be automatically validated against a wider network of participating banks using Level B account verification. Level B checks if the account is open and currently in good status. It does not check for availability of funds. Level B has more participating banks than Level A. If the customer account does not belong to any of the Level B participating banks, the account is automatically validated using Level C historical verification. Level C is based on the largest experiential positive and negative database reports from the more than 158 million bank accounts that cover more than 70% of the entire US Banking system. Level C responses will be based on positive and negative historical reports about the customer accounts.