TrueACH
Stop unauthorized ACH activity before it hits. TrueACH flags risky transactions early so your team can act before losses hit your bottom line.
Built for ACH
TrueACH helps you validate account status and ownership in real time, reducing fraud, ACH returns, and downstream cleanup for your team.
Consortium Intelligence
Access account and ownership verification powered by a network of FI-contributed data. This multi-sourced intelligence flags risk others miss.
Built for ACH Workflows
TrueACH is built to handle fast-moving, high-volume ACH environments. It supports web portal, API, and batch processing.
Low Friction, Configurable Rules
From global rules to tailored recommendations, TrueACH gives fraud and ops teams control over what gets flagged, when, and how to act.
Protect ACH Transactions in Real-Time
ACH Account Insight
TrueACH® with Account Validation triangulates the identity of a query against an industry leading, FI-contributed database that includes account owner and authorized user identity.
Real-time Responses
Real-time responses on if the account exists and is in good standing; if it is returning transactions or closed, NSF or high-risk status; stop-payment; or if the person is authorized to transact on the account.
Address Compliance
Allows financial institutions to reduce the risk of fraud as well as address Nacha’s Account Validation requirements.
Reduce Friction
Reduces risk and allows for faster funds availability and checking-to-checking / checking-to-savings transfers.
How TrueACH Works
From enrollment to decision, TrueACH fits into your existing ACH flow. Access real-time account validation and return-risk insight—through batch, portal, or API. No disruption. Just better decisions, faster.
ACH Security Without Sacrificing Operational Efficiency
Flexible Deployment Options
Use TrueACH through your preferred method—API, secure web portal, or batch—without disrupting your current operations or tech stack.
Configurable Rules Engine
Control what gets flagged, when, and how. Set criteria that match your institution’s risk tolerance and decisioning workflows.
Deep Data Coverage
Pull from multiple national databases in real-time to support layered, accurate account validation and ACH loss prevention.
Cut Manual Work
Reduce exception handling, rework, and ACH return clean-up with proactive insights at the point of decision. Your ACH decision makers will gain back valuable time.
How TrueACH Helps
TrueACH empowers accurate validation of account status and ownership, helping your FI meet compliance requirements and fight ACH losses without adding manual work.
Stop ACH Fraud Before It Starts
Flags risky accounts—like closed, frozen, or those with a history of returns—before funds move. No guesswork.
Nacha Confidence
Our validation supports Nacha’s rules by verifying account status and ownership, giving you proof in a changing ACH landscape.
Fewer Losses. Less Work.
Fraud means fees, delays, and cleanup. Reduce exception handling and operational drag by verifying before the payment ever leaves.
Validate the Account
It’s not just “does the account exist”—it’s “should they be using it?” Confirm the right user is tied to the right account.
Layered, Real-World Data
Combines data from FIs and trusted data partners to provide deeper validation than single-source tools or unverified guesswork.
Built for FI Workflows
Whether you’re batch-processing or working real-time through a portal or core system, TrueACH fits your team’s flow. No disruption. Just better decisions.
Fraud Insights
The ACH landscape keeps evolving, and so do the tactics used to exploit it. Stay informed with the latest fraud insights and prevention strategies.
Built for Real-Time ACH Workflows
TrueACH is designed for the daily demands of financial institutions.
What is TrueACH with Account Validation?
It’s a real-time solution that helps confirm account status, ownership, and risk using data contributed by thousands of FIs and trusted partners.
Does TrueACH support Nacha compliance?
Yes. TrueACH helps financial institutions meet Nacha’s WEB Debit Account Validation Rule by verifying account ownership and status.
What types of accounts can be validated?
TrueACH supports validation for checking, savings, and other transaction-enabled accounts—whether for outbound payments, loans, or onboarding.
How does TrueACH integrate with my systems?
It works via secure web portal, API, or batch. You choose what fits your environment best—no overhaul required.
