New Account Funding

Increase new account approval confidence while reducing friction

Distinguish real people from synthetic or stolen identities early, helping increase approval rates for customers with legitimate identity credentials with a fast, seamless onboarding experience.

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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 shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions for the use cases you’re exploring here.

Explore the Benefits

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Help increase approval rates at account opening

Use identity and deposit account insights to help streamline approvals and permissions for applicants who meet low-risk criteria.

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Help prevent possible fraud before account opening

Identify synthetic and high-risk applicants early, helping detect high-risk or potentially fraudulent applications early and causing downstream loss.

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Empower seamless onboarding experiences

Enable real-time decisioning with less friction, helping applicants to open and fund accounts seamlessly.

The Certos Network In Action

The Certos network contains a broad set of deposit performance data contributed by 2,500 FIs with scored account data on 11.5 billion transactional records.¹

Explore our new account funding tools

Discover how our solutions can help you transform your customers' experiences and enhance your financial institution's new account opening strategy.

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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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Capabilities

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.

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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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Capabilities

Expand your customer base

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

Increase financial inclusion

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

Improve your institution's goodwill

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

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Predict New Account Risk℠

Predict New Account Risk℠ provides intelligence based on account patterns to help inform onboarding assessments.

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Capabilities

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

Predict the likelihood of first-party fraud or account default within the first nine months of account opening using holistic 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.

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Verify Identity℠

Verify Identity℠ helps 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 to support your goals.

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Capabilities

Improve the customer experience

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

Reduce identity fraud losses in real-time

Real-time access helps you detect fraudulent identities before bad actors 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 predictive model with sophisticated algorithms helps reduce false positives/negatives and detect synthetic identities.

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.

Trust at scale

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

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.

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.

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.

Product(s) of Interest

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