Product Center

Instant Bank Verification (IBV)

Overview

Instant Bank Verification facilitates real time access to consumer and business bank account data at the financial institution via their online banking platform to deliver account transaction details, account owner information and other bank account insights in support of bank verification and decisioning.

Key Features & Functionality

Upon receiving a request to verify the consumer/business banking information, IBV delivers a web link to the account owner to start the process.

After selecting the link, the account owner will be prompted to select their financial institution and login to their online account.

Multifactor authentication questions and/or secure code verifications may be presented to the account owner as part of the financial institutions standard security protocols before access to the banking information is available. However, IBV facilitates this process seamlessly to support these security requirements for each financial institution selected.

Upon authentication of the account owner, IBV will retrieve and format information into a user friendly report format containing important information including account balances, transaction history, account owner information, ID verification attributes, and more.

Primary Use Case(s)

Credit decisioning and bank account verification.

*This product is covered in all 50 States

Documents

Active Docs only:

Count: 4

Document Name	Document File Name	Document Type
IBV Product Sheet 2024	IBV Product Sheet_2024.pdf	Document
IBV Sales Guide 2025	IBV_Sales_Guide_v9.29.2025.pdf	Document
IBV Sample Report 2025	IBV Report 2025 0225.pdf	Sample
IBV Set up Sheet 2024	IBV Set Sheet 2024.pdf	Document

Instant Bank Verification

Request Attribute	Option 1	Option 2	Option 3	Option 4	Option 5	Option 6
SSN	X	X	X	X
First Name	X	X	X	X
Last Name	X	X	X	X
DOB	X	X		X
Street Address	X	X	X	X
City	X	X	X	X
State	X	X	X	X
Zip Code	X	X	X	X
County				X
Primary Phone	X	X	X
Cell Phone				X		X
Email	X	X	X	X	X
ABA Number		X	X	X
Account Number		X	X	X
FEIN				X
Business Name				X	X	X
Business Street Address				X	X	X
Business City				X	X	X
Business State				X	X	X
Business Zip Code				X	X	X
Business Phone				X

Additional Information:
Option 1: Applies to IBV Consumer requests.
Option 2: Applies to IBV Consumer requests.
Option 3: Applies to IBV Consumer requests.
Option 4: Applies to IBV Business requests.
Option 5: Applies to IBV Business requests.
Option 6: Applies to IBV Business requests.

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