Verify Bank Account Ownership and Balances


An easy and secure way to verify ownership of a bank account if you need to move money in or out of a bank account.

Verification Service

Provides access to key details from the bank account which provides a better user experience for your users while reducing risk of fraud, NSF or non-payment

  • Account holder names
  • Account Type
  • Routing Number
  • Account Number
  • Balance
  • Account holder details
url: /ysl/accounts?include=fullAccountNumber,holder
methodType: GET
Header:
  Authorization: {cobSession=<cob_session_token>,userSession=<userToken>}
  Api-version: 1.1
  Cobrand-Name: <customerName>
{
  "account": [

    {
      "accountName": "Savings Account",
      "currentBalance": {
        "amount": 20000,
        "currency": "USD"
      },
      "accountType": "SAVINGS",
      "isManual": false,
      "displayedName": "TZMBank1",
      "holder": [
        {
          "address": [
            {
              "zip": "61862",
              "city": "Penfield",
              "address1": "2988 University Hill Road",
              "state": "Illinois",
              "type": "PERMANENT"
            }
          ],
          "ownership": "PRIMARY",
          "name": {
            "last": "Story",
            "fullName": "Steven B Story",
            "first": "Steven"
          }
        }
      ],
      "accountNumber": "xxxx8803",
      "fullAccountNumber": "45688803",
      "availableBalance": {
        "amount": 20000,
        "currency": "USD"
      },
      "accountStatus": "ACTIVE",
      "lastUpdated": "2018-01-04T15:55:40Z",
      "isAsset": true,
      "createdDate": "2018-01-04T15:55:39Z",
      "balance": {
        "amount": 20000,
        "currency": "USD"
      },
      "aggregationSource": "USER",
      "providerId": "19686",
      "providerAccountId": 2242274,
      "CONTAINER": "bank",
      "id": 2300312,
      "dataset": [
        {
          "updateEligibility": "DISALLOW_REFRESH",
          "lastUpdated": "2018-01-04T15:55:41Z",
          "additionalStatus": "AVAILABLE_DATA_RETRIEVED",
          "name": "ACCT_PROFILE",
          "lastUpdateAttempt": "2018-01-04T15:55:41Z"
        }
      ],
      "providerName": "TZMBank",
      "bankTransferCode": [
        {
          "id": "021202337",
          "type": "ROUTING_NUMBER"
        }
      ]
    }
  ]
}

										

Get started with Yodlee Account Verification

Start developing in minutes

Simple Integration

3-Steps to Integrate

  • Register (or login) User

    Enroll new user with Yodlee or obtain token for existing user

  • Add a user’s financial account(s)

    Yodlee FastLink, an easy to use add account wizard, seamlessly handles the end to end user experience for adding accounts. You can build your own flow but we recommend using FastLink to save time and energy.

  • API access to verification result

    Obtain real time verification for your users so that you can start payments right away.

Header :
Authorization : {cobSession=<cobrandToken>}
Api-Version : 1.1
Cobrand-Name : <customerName>

{
	"user": {
		"loginName": "testUser",
		"password": "TEST@123",
		"locale": "en_US"
	}
}

{
	"user": {
		"id": 37440620,
		"loginName": "testUser",
		"name": {
			"first": "FIRSTNAME",
			"last": "LASTNAME"
		},
		"roleType": "INDIVIDUAL",
		"session": {
			"userSession": "09142017_0:f982df6df793264fc1328d074c1d93e6465160c74eb99a8a18b5e184e24c6f4a7a29f329c81d49abe01c47815168fa94936db9b41afe085ce5f284a6add82bd3"
		},
		"preferences": {
			"currency": "USD",
			"timeZone": "PST",
			"dateFormat": "MM/dd/yyyy"
		}
	}
}

Use Cases

E-Commerce

Enable payments by bank account for online shopping

Account Opening

Enable using existing accounts for verification and funding

Payments

Verify bank accounts and balances before transacting

Wallets

Confirm funds availability for online wallet funding

Yodlee FastLink

Yodlee FastLink is a responsive and flexible developer tool that allows your users to add accounts quickly and easily.

  • Fully Customizable - Control the look and feel of FastLink
  • Secure - User passwords never touch your servers
  • Time Saving - FastLink handles multifactor authentication for you
  • Simplicity - Abstract away the difficulties of managing website changes

The integration of Envestnet | Yodlee's Account Verification API and Aggregation API allowed Voatz to supplement the traditional voter identification process with financial account data verification, which helped to boost the overall confidence in the security of our mobile focused platform.

– Nimit Sawhney, Co-Founder and CEO, Voatz

Get started with Yodlee Account Verification

Start developing in minutes