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Payments & Deposit Risk Solutions

Confidence across payments and deposits

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Protect transactions, accelerate money movement, and reduce risk.

Our payment and deposit risk solutions work together to help institutions confidently manage payments, deposits, and account validations using real-time, network-shared intelligence to assess risk, help reduce fraud, and improve efficiency.

Payments & Deposit Risk Solutions Use Cases

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Increase funds availability confidence

Help make confident funds availability decisions while reducing the potential for fraud losses by reviewing deposit, payment, and account indicators to limit unnecessary holds for customers.

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Protect against disbursement and payment risk

Review inbound and outbound payment activities to help identify potentially improper disbursements before funds are released.

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Help prevent wire fraud with recipient account intelligence

Use network-informed recipient account risk insights to help identify higher-risk wires, intervene before funds are sent, and reduce repeat fraud across participating institutions.

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Validate transfers and account linking requests

Validate account ownership and authorization during linking and transfer enrollment to help avoid misdirected payments.

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Explore the benefits

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Make confident money movement decisions

Evaluate deposits and payments using network-shared account activity intelligence to confidently release funds, validate transactions and reduce exposure to fraud.

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Help reduce fraud without adding friction

Detect high-risk activity earlier across deposits, payments, and account validation, helping to prevent fraud and misdirected payments while minimizing customer friction.

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Balance risk, efficiency, and growth

Streamline operations and help meet compliance needs while supporting faster funds availability, smooth transactions, and scalable growth.

Capability Bundles

These capabilities work together to deliver a comprehensive view of deposit, payment, and account activity to support confident transaction decisions.

Choose an option

Deposit Chek®

Payment Chek®

Wire Chek℠

Verify Account℠

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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

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Help reduce fraud loss

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

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Improve operational efficiency

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

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Improve your customer experience

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

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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

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Payment Chek®

Payment Chek® screens payment items in real time to help reduce risk on incoming payments and validate outbound disbursements.

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Experience the Benefits

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Improve operational efficiency

Real-time payment screening can help detect potential returns early, reducing manual collections work and the operational burden of fraud investigations.

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Improve your customer experience

Helps enable faster, more consistent payment decisions across channels, helping legitimate payments post smoothly with less friction.

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Help reduce fraud loss

Helps prevent fraud loss by reducing incoming NSF returns and validating outbound transactions before funds are released.

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Help improve risk prediction

Embedded machine learning models assess the likelihood of check and ACH returns within 30 days to help support confident risk decisioning.

Questions? Talk to an expert

Wire Chek℠

Wire Chek℠ provides network-informed recipient account risk intelligence before wire funds are sent, helping financial institutions make more informed decisions and reduce fraud exposure.

Learn more about the benefits

Experience the Benefits

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See recipient account risk

Assess recipient accounts using network-shared intelligence

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Respond to emerging risk

Receive proactive signals when the network identifies new risk linked to one of your accounts.

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Reduce repeat industry fraud

Reveal cross-institutional fraud patterns that no single financial institution can see alone.

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Keep decisioning in your control

Use network-informed insights and signals alongside your own policies, workflows, and risk tolerance.

Questions? Talk to an expert

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Verify Account℠

Verify Account℠ validates account-holder identity elements to help reduce transaction fraud.

Learn more about the benefits

Experience the Benefits

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Help reduce fraud loss

Real-time account validation helps detect fraud early by confirming external account status and authorized users before payments are initiated.

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Comply with Nacha

Supports Nacha WEB Debit Account Validation by helping meet commercially reasonable account validation requirements.

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Improve your customer experience

An inquiry-based, real-time solution that reduces friction and enables faster, more confident transactions.

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Increase revenue potential

Helps expand payment capabilities and customer relationships by enabling growth with greater confidence and lower risk.

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.

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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.

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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.

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Rich Analytics

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

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Talk to an expert

Learn how Certos helps financial institutions reduce fraud and protect payments at scale.

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