Funds Availability Confidence

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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Get to know us

As the Trusted Custodian® of the National Shared Database℠ Resource, the Certos℠ network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk for the use cases you’re exploring here.

Explore the benefits

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Review deposits with greater confidence

Apply item-level and account indicators to support deposit review and funds availability decisions.

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Limit unnecessary holds

Use broader payment and account detail to help reduce unnecessary holds.

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Support customer experience

Align deposit review processes to policy while minimizing disruption to legitimate customer activity.

The Certos℠ network in action

The Certos℠ network contains a broad set of performance data based on 11.5 billion transactional records contributed by 2,500 Financial Institutions.1

Explore our payment and deposit risk tools

Discover how our solutions can help you transform your customers' experiences and enhance your financial institution's payment and deposit risk strategy.

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Payment Chek®

Adds payment context when funds are applied to non-DDA accounts.

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Capabilities

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Review payment activity
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Surface account status indicator during posting
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Provide disbursement context when applicable
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Support consistent operational workflows
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Deposit Chek®

Provides real-time insight into deposit items, including return likelihood and duplicate or counterfeit indicators

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Capabilities

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Screen inbound check and ACH deposit activity
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Identify duplicate or counterfeit deposit items
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Assess early return-risk indicators
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Support funds availability decisioning
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Verify Account℠

Confirms external account status and ownership for deposits originating outside the institution.

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Capabilities

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Confirm external account status and ownership
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Validate accounts during deposit origination
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Support enrollment and setup workflows
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Reduce setup-related issues

The Certos℠ advantage

The Certos℠  network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk through real-time intelligence—offering deeper insights than any institution can achieve alone.

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Trust at scale

We unite financial institutions through decades of unmatched data, creating a trusted network that grows stronger with every connection.

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Innovative solutions

With advanced analytics and detection technology informed by activity across the financial ecosystem, we provide innovative solutions to access more insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

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Real-time intelligence

Real-time, connected intelligence distills complex data into clear, timely insights. As new signals enter the network and threats evolve, we continually advance and refine our solutions—strengthening protection and confidence.

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Talk to an expert

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

Complete the form to connect with our team.

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