New Account Opening & Funding Solutions Solutions

Open more accounts seamlessly

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Combatting industry threats to new account openings

We help protect against identity fraud while creating a seamless onboarding process. Our New Account Opening solutions provide a variety of insights that empower financial institutions to make confident decisions.

New Account Opening & Funding Solutions Use Cases

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Frictionless, secure onboarding for new customers

Reduce potential fraud while enabling customers who meet low-risk criteria to onboard with minimal friction. Our insights help you quickly distinguish real people from synthetic or stolen identities and safely fund new accounts in real time.

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Proprietary predictive risk insights for smart account decisions

Use identity, account, and deposit activity patterns to help predict fraud and account misuse within the early phases of account opening. Apply real-time insights to tailor decisions, prevent losses through proprietary, predictive risk assessments.

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Expand access with data-driven insights

Assess applicants with no credit history using deposit and identity insights. These indicators enable you to grow your customer base responsibly by expanding access to more customers while maintaining strong risk controls.

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Explore the Benefits

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Open more accounts

Grow your financial institution while preventing fraudulent activity from entering your system with proprietary, predictive intelligence and synthetic detection.

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Deliver seamless customer experiences

Deliver a smooth customer experience without sacrificing security with a solution that matches your risk tolerance.

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Expand financial access

Help increase financial access with additional insights into applicants with no credit history using contributed behavioral and deposit data.

Capability Bundles

These capabilities work together to provide a comprehensive view of identity and account-related activity to support confident account-opening decisions.

Choose an option

Verify Identity℠

Predict New Account Risk℠

Expand Credit Insights℠

Deposit Chek®

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Verify Identity℠

Verify Identity lets you determine, in real time, the likelihood that an applicant is who they claim to be, so you can expand your customer base with confidence.

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Experience the Benefits

Improve the customer experience

Streamline your review of applicants with an inquiry-based real-time solution, so that low-risk customers can quickly move through your application process.

Reduce Identity Fraud Losses In Real-Time

Real-time access helps you detect fraudulent identities before they enter your system.

Help protect against synthetic identity fraud

Leverage data contributed exclusively to the Certos integrated network to help reliably identify synthetic identities.

Help improve identity confidence

A proprietary risk model with sophisticated algorithms helps reduce false positives/negatives and detect synthetic identities.

Questions? Talk to an expert

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Predict New Account Risk℠

Predict New Account Risk provides proprietary intelligence that empowers nuanced risk assessments for new customers.

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Experience the Benefits

Grow your customer base

Approve more accounts by tailoring privileges to align with your risk threshold using our deposit account intelligence

Protect against new account losses

Anticipate the likelihood of first-party fraud or account default within the first nine months of account opening using proprietary risk scores and summarized attributes.

Balance risk, efficiency and compliance

Use insights in a manner that align with your account opening strategy – allowing you to reduce risk, while maintaining compliance and operational efficiency.

Expand financial access

Gain insights and perspective required to confidently open your doors to a wider population of consumers.

Questions? Talk to an expert

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Expand Credit Insights℠

Expand Credit Insights allows you to supplement your credit-decisioning criteria with contributed deposit account data to provide credit products to consumers with little or no credit history.

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Experience the Benefits

Expand your customer base

Approve more credit applicants and present additional opportunities to nurture and expand consumer relationships.

Increase financial access

Extend credit access to those with limited or no traditional credit history, using network-shared deposit account data.

Improve your institution's goodwill

Make a positive impact in meeting the credit needs of the communities you serve

Questions? Talk to an expert

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Deposit Chek®

Deposit Chek® provides institutions with real-time intelligence to protect deposit channels, help prevent fraud loss, minimize operational friction and deliver faster funds availability.

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Experience the Benefits

Help reduce fraud loss

Detect potentially fraudulent new account funding sources and high-risk deposits, mitigating risk and decreasing fraud at your institution.

Improve operational efficiency

Reduce manual reviews and optimize team resources by streamlining the time required to address fraud cases.

Improve your customer experience

Real-time screening across deposit channels reduces unnecessary alerts, accelerates funds availability, and empowers a seamless banking experience.

Balance risk, efficiency, and compliance

Deposit Chek® can scale to meet your needs. Configure the solution to align to your business and risk tolerances.

Questions? Talk to an expert

The Early Warning Advantage

Leverage 30 years of experience to enhance your new accounting opening strategy, verify deposits and payments and make informed decisions.

Robust Data

Early Warning is the Trusted Custodian of the National Shared Database Resource which contains a rich set of data, ensuring our information is always up-to-date.

Scalable Technology

Grow at your own pace! Access our capability bundles through a simple API. Implement once – and quickly deploy additional capabilities in a snap.

Rich Analytics

Our risk assessment algorithms incorporate comprehensive, cross-institution data sets, adding depth and perspective to insights.

Our Resellers

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How can we help?

Let’s talk about how we can help grow your financial institution.

One of our team members will be in touch within 2-3 business hours.

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