Financial account verification & aggregation

Bring verified banking to every transaction. Know instantly, using better data to make better decisions where you only pay for services when you use them.

Let Instant Bank Verification help your business succeed.

Talk to one of our customer success agents to get started.

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Forget Microdeposits & Increase Conversions: Get instant bank account verification now!

Through our enhanced cloud architecture, we process and report on billions of transactions for consumer lending, credit companies, business lenders, mortgage and loan providers. IBV is built from the ground up to keep you in compliance with the Consumer Financial Protection Bureau (CFPB), Fair Credit Reporting Act (FCRA) and other regulatory requirements associated with credit, lending, and mortgage origination.

Fast & reliable with up to365 daysof transactional data.

Work directly with the data provider.

More and more businesses are choosing IBV. Work directly with the data provider. Some companies sell similar services but are in fact just middle-men that put a layer between you and the data you're using. When you sign up with IBV you're working directly with the data provider. That means you get 24-7-365 service, the convenience of a single point of contact, and you can take advantage of all system improvements as they are rolled out.

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We envision an enhanced financial ecosystem thatempowersevery individual.

Keeping our clients, and their customers data, secure

In today's digital economy, security isn't just a feature; it's a cornerstone of trust and reliability, especially when handling sensitive financial data. Instant Bank Verification (IBV) epitomizes this principle by integrating cutting-edge encryption, multi-factor authentication, and round-the-clock fraud monitoring. These measures aren't just about safeguarding data; they're about offering your business the confidence to connect financial accounts securely, ensuring compliance, and fostering a trustworthy relationship with your customers.

What does it do?

Exceptional bank coverage, pay-as-you-go pricing, and rock solid reliability.

A fast, accurate and reliable bank verification tool designed to work at the speed of your business.

IBV offers a tiered-pricing system ideally suited for both consumer and business-to- business lending. This pricing structure reduces your per transaction cost the more you use IBV allowing the platform to grow with your needs. That means IBV delivers cost benefits as your business grows.

IBV has a series of fraud-protection measures built right into the platform. From validating social security to monitoring against federal WatchLists, IBV helps make sure you’re always doing business with the right people. Superior to paper statements, since fake statements can easily be purchased on the internet.

Verify an applicant's bank account
Affirm current and prior address history
Verify current and available account balances
Discover an applicant's other financial obligations and loans
Confirm ability to repay a loan
Provides up to 356 of transactional data
Validate SSN (individual) and EIN (business)

Daily Data

Daily updates for recent transactions and account balance
Balance Chek

Real-time bank account balance.Determinate if an ACH transaction will clear
Clear Chek

Verify if an individual transaction posted and provide its status

Meets all compliance standards including those of the Consumer Federal Protection Bureau (CFPB) and Fair Credit Reporting Act(FCRA). It also features a set of powerful fraud protection features for monitoring social security numbers against federal watchlists.