Validate Accounts Fast
Confirm account ownership, status, and risk in real time, before you originate, transfer, or send funds via ACH.
Why Validation Matters
ACH fraud is growing. So are compliance requirements. Account validation protects your FI and account holders from costly errors and fraud.
Confirm ownership
Assess risk instantly
Cut fraud losses
Real-Time Reviews
Your team has to answer: Is the account open? Is the owner legitimate? Is there a risk history? Meanwhile account holders expect validation to be fast, clear, and automated. We help your team act with confidence and without friction.
Smarter, Simpler Validation
Many FIs still rely on outdated or manual methods to validate accounts, creating gaps that fraudsters exploit. TrueACH replaces that with clear, automated checks your team can trust. It fits right into your existing workflow, so you can reduce fraud, improve compliance, and keep ACH operations running smoothly, without adding complexity.
Validation: Solved
Avoid delays, returns, and fraud with real-time ACH account insights. TrueACH checks ownership, status, NSF risk, and more in seconds.
Authorized to Transact
Validate account ownership and authority before initiating any ACH transfer.
Live Account Status
Instantly check if an account is open, active, or carrying risk.
Return History Flags
Spot accounts with patterns of NSF, returns, or stop payments, before the ACH hits.
Featured Insights
Stay informed as new fraud tactics emerge. These insights help your FI stay one step ahead on ACH risk, compliance, and originations.
Account Validation FAQs
Your questions on validation, compliance, and implementation—answered.
What does account validation check?
TrueACH checks ownership, status, return history, and stop-pay risk.
Do we need validation for ACH?
Yes. Nacha requires account validation for WEB debits. It’s also smart for fraud prevention.
Is TrueACH compliant with Nacha?
Yes. TrueACH meets Nacha’s “commercially reasonable” validation requirement.
How fast is validation?
Results are real-time. Your team sees clear pass/fail signals instantly.
Can it be integrated?
Yes. We work with top cores and platforms to make integration seamless.
