How do I Interpret Banking Results?

Worth supports two methods for entering bank account information:

Because these methods present results differently, this guide explains how to interpret both.

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 legal business name provided
Contact Verification: Confirms whether the contact information on the bank account matches the application details.

Verified - The account is confirmed as valid and active. This may include an open checking or savings account with positive history, a routing number recognized by a contributing bank with no negative history reported, or a non-participant institution showing positive account activity. In all cases, the account is considered legitimate and verified.
Did Not Run - There is no AccountResponseCode value for this result, meaning Account Status verification did not run on this case.
Unverified - One or more account details (routing, account, check number, or amount) failed validation, the account matched an entry on the Private Bad Checks list, or the routing number belongs to a financial institution that doesn't report account data to GIACT's National Shared Database (this includes accounts restricted to government agencies). In the latter case, this isn't a sign of incorrect information, it means GIACT simply doesn't have data available to confirm the account either way.
High Risk - The account or transaction is flagged as high risk due to a permanently closed account, a temporary negative status (stop payment, frozen account, or post no debits), recent NSF or ACH return activity, negative history on file, an unassigned routing number, or a non-traditional account type (e.g., credit cards, lines of credit, home equity, brokerage checks). Such transactions are generally recommended for decline.

Verified - The customer was successfully authenticated. Some details may not match, but the overall account name is verified as legitimate. This includes cases where the name fully matches but a secondary detail, such as Tax ID, address, phone, date of birth, or multiple contact points, didn't match gAuthenticate or gIdentify/CustomerID records.
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, meaning all submitted information fully matched the identity database with no warnings on any data field.
No Match - A business name match could not be verified. This can occur when name and Tax ID both fail gAuthenticate, when the business name itself doesn't match gAuthenticate or gIdentify/CustomerID records, or when no matching identity record is found at all, which can indicate a synthetic identity or a minor's stolen identity.

Did Not Run - Bank account is active, but name verification isn't currently available.

Verified - Customer authentication passed gAuthenticate, meaning all submitted information fully and/or conditionally matched the data file.

Match - Customer identification passed gIdentify/CustomerID, meaning all submitted information fully matched the identity database with no warnings on any field.
High Risk - The contact information could not be fully verified. This occurs when name and SSN both fail gAuthenticate, when multiple secondary data points (address, phone, DOB, etc.) don't match gAuthenticate or gIdentify/CustomerID, or when no data was found matching the customer information at all.
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.
- If the legal business name fails verification, the system will then attempt to match the DBA name.
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 displays verification results in two tabs:

Match – The account holder's name matches the business’s legal name
No Match – The account holder’s name does not match the business’s legal name
Balance – Displays the available balance for each connected account

The transaction history is shown from newest to oldest
You can filter by specific accounts and adjust the date range using the dropdown menus

A guide to understanding the different outcomes of Worth's bank verification process.