Check Verification

Verify Account in Real Time

ACHWorks Account Verification is a fast and easy way to verify bank accounts in real time, providing various levels of information contributed directly from financial institutions as well as multiple other 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) .

Account Verification sources include a wide network of participating banks to check if the account is open and currently in good status with a positive balance. If the customer account does not belong to any of the participating banks, the account is automatically validated using the largest experiential positive and negative database reports from more than 160 million bank accounts that cover more than 70% of the entire US Banking system.

NOTE: The Account Verification product does NOT verify the identity of the account holder. However, we do offer a separate service to qualified businesses for Customer Identification.

In addition to Account Verification service, the following optional services are also available in both the web application and SOAP API integration:

Routing Number Validation and RDFI Information

Routing Number Validation is a quick service for verifying a Routing Number and returning the Receiving Depository Financial Institution (RDFI) information for that number, if it is valid. The result will return the following details: Description of the result, Bank Name, Address, City, State, Zip and Phone.

OFAC List Match

The OFAC List Match service will check if a person is listed in the U.S. Treasury’s Office of Foreign Asset Control’s (OFAC) Sanctions Program Listings. OFAC prohibits transactions involving persons and organizations listed as “Terrorists”, “Specially Designated Nationals (SDN) and Blocked Persons”, and those from embargoed countries and regions. The Search Result will return the following details: Description of the result, Database Row, SDN Identifier and Name, SDN Type and Program, SDN Title, Remarks on SDN, Vessel Call Sign, Type and Tonnage, Vessel Flag and Owner.

SSN Validation

The SSN Validation service will check the validity of a Social Security Number and list any names and addresses belonging to persons with this number. The result will give the following details: Description of the result, Issue Date Range, Place of Issue, Name, Date of Birth, Address and Phone.