Secure Account Linking and Transfers

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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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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Validate account ownership

Confirm that individuals are authorized to transact on external accounts during linking and transfer enrollment.

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Support transfer accuracy

Review account ownership and status information before initiating ACH or wire transfers.

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Reduce setup issues

Identify mismatches early to help avoid misdirected payments and rework.

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®

Supports outbound transfer review using account and transaction context.

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Capabilities

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Validate ACH and wire transfers before execution
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Review outbound payment activity
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Surface account status indicators
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Support operational consistency
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Verify Account℠

Validates account ownership and status during enrollment and transfer setup.

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Capabilities

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Validate account ownership during enrollment
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Confirm account status before linking or transfers
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Support transfer and linking workflows
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Reduce misdirected payment risk
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Deposit Chek® (with AOA)

Confirms authorization for accounts used during pull-based transfers.

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Capabilities

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Authenticate account owners for pull-based transfers
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Review external accounts used for funding
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Validate funding sources during transfers
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Identify early risk indicators

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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