A guide to understanding the different outcomes of Worth's bank verification process.
Worth supports two methods for entering bank account information:
- Plaid integration
- Manual entry of the routing and account number
Because these methods present results differently, this guide explains how to interpret both.
Standard Bank Verification
When bank information is entered manually, results are displayed in three sections:
- Account Status: Indicates whether the bank account exists and is in good standing
- Account Name: Indicates whether the account holder’s name matches to the business or business owner
- Contact Verification: Confirms whether the contact information on the bank account matches the application details.
Account Status Results
- Verified - The account is confirmed as valid and active. This may include checking, savings, or government accounts, with or without recent transaction activity. In all cases, the account is considered legitimate and verified.
- Did Not Run - There is no AccountResponseCode value for this result.
- Unverified - One or more account details (routing, account, check number, or amount) failed validation, and in some cases the account may be flagged in the Private Bad Checks list.
- High Risk - The account or transaction is flagged as high risk due to negative data, unassigned routing numbers, or non-traditional account types (e.g., credit cards, lines of credit, home equity, brokerage checks). Such transactions are generally recommended for decline.
Account Name Results
- Verified - The customer was successfully authenticated. Some details may not match, but the overall account name is verified as legitimate.
- Did Not Run - The bank account is active, but name verification was not performed or is not currently available.
- Match - Customer identification passed gIdentify/CustomerID
- No Match - The customer or business information could not be verified. Submitted data did not match gAuthenticate or gIdentify/CustomerID records, or no matching records were found.
Contact Verification Results
- Did Not Run - Bank account is active, but name verification isn't currently available.
- Verified - Customer authentication passed gAuthenticate.
- Match - Customer identification passed gIdentify/CustomerID.
- High Risk - The contact information could not be fully verified. Multiple mismatches or missing records in gAuthenticate or gIdentify/CustomerID indicate elevated risk.
- Invalid Address - The address could not be verified, as it did not match gAuthenticate or gIdentify/CustomerID records.
- Invalid DoB - The date of birth or ID could not be verified, as it did not match gAuthenticate or gIdentify/CustomerID records.
- Invalid Name - The customer or business name could not be verified, as it did not match gAuthenticate or gIdentify/CustomerID records.
- Invalid Phone Number - The phone number could not be verified, as it did not match gAuthenticate or gIdentify/CustomerID records.
- Invalid TIN/SSN - The Tax ID (SSN/ITIN) could not be verified, as it did not match gAuthenticate or gIdentify/CustomerID records.
Plaid Bank Verification
Plaid displays verification results in two tabs:
- Open Accounts - Shows account status and balances
- Transactions - Displays a history of account activity
Open Accounts Results:
- Match – The account holder's name matches the business’s legal name or DBA
- No Match – The account holder’s name does not match the business’s legal name or DBA
- Balance – Displays the available balance for each connected account
Transactions Results:
- The transaction history is shown from newest to oldest
- You can filter by specific accounts and adjust the date range using the dropdown menus
