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### Initiate an inquiry.

A customer service representative for the local cable company is speaking with a customer that wants to set up a direct debit for their monthly cable bill. Due to new regulations, the customer's account information must be validated prior to setting up the direct debit transactions. The service rep enters the routing number for the customer's bank and checking account numbers. Within seconds, the validation is complete, and the service rep proceeds to set up the customer's direct debit and initiates the first transaction.

### Complete payments transactions safely and securely.

A claims adjuster for a major insurance company is responsible for sending claims payments following accident investigations. The adjuster wants to make sure the funds are received promptly and securely by the intended claimant. The adjuster enters the routing number for the claimant's bank, the claimant's checking account number and some personal information. Within seconds, the validation is complete, and the adjuster can initiate the ACH credit.

### Validate account information to process a payment.

A customer logs on to their utility provider's website to pay a bill. Before the bill can be paid, the customer must enter their account information. As the customer's account information is saved, the utility provider sends the account information to be validated.  Within seconds, the validation is complete, and the customer can make the payment.

Example use cases

Inquiry request and response data should be stored locally to support any troubleshooting and Fair Credit Reporting Act (FCRA) reporting requirements.

Requirements

- Account Validation is classified as consumer reporting. U.S. Bank clients using Account Validation must follow the requirements of the FCRA. Severe penalties apply for failure to comply with FCRA.

- At least some of the transaction activity being validated must be originated through U.S. Bank to prove permissible purpose under the FCRA.

- Eligibility requirements apply. A vetting process must be performed to ensure your information security and other practices will keep Account Validation information protected.

Restrictions

<p>Validate account information to process a payment.</p>


Account Validation

The Account Validation API enables you to prevent fraud and securely verify account ownership and status before sending a payment. With a few key details, your applications can validate customer account information and/or account ownership so you can complete safe and secure transactions.

Overview

### Initiate an inquiry.

Validate account details for personal or business accounts, such as account number and routing number.

### Access the Nationally Shared Database Resource.
Access and verify account ownership of checking and savings accounts with data from thousands of trusted financial institutions.
### Use one of three account validation responses.
Basic response (recommended) 
- Returns account status based on routing and account numbers and ownership verification, including an overall match score.  

- A fast and simple way to validate customers that doesn't require compliance to the Fair Credit Reporting Act (FCRA).

Translated response  
- Returns account status based on routing and account numbers and ownership verification, including an overall match score.    

- Includes recommendations from U.S. Bank for credit and debit transactions and required actions based on account ownership.

- A response that translates data from Early Warning Systems (EWS) based on specific business rules.

Detailed response  
- Returns all details of the Account Validation API supported by EWS.  

- A comprehensive response best applied to use cases that require specific validation details.

Features

![Account Validation - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/account-validation/account-validation-workflow.png)

Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

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Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

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3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

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Opayo Reporting API

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Opayo Shared API

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Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

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U.S. Bank Flexible Capital Platform

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Voyager Vehicles

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Documentation

Sandbox quick start

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Security guide

Inquiry types

Response types

API reference

Application error codes

Release notes