Bank Account Response Codes

Account Status Response Codes

Bank accounts that are found and in good standing are approved with a POS (positive) result status. Accounts that do not exist or are in a negative standing at their bank are rejected with a NEG (negative) result status. If a bank account is from a bank that is not part of the real-time network or the bank is not reporting information about the bank account, the transaction is approved with an UNK (unknown) result status.

The following table shows all possible responses from the account status endpoint:

Status	Code	Code Data	Code Description
POS	1111	Pass AV	The account was found to be an open and valid checking account.
NEG	2222	Pass AMEX	The account was found to be an open and valid American Express Account
POS	3333	Pass NPP	Non-Participant Provider – This account was reported with acceptable, positive data found in recent or current transactions.
POS	5555	Pass SAV	Savings Account Verified – The savings account was found to be an open and valid account
POS	7777	Pass AV	Account Verified – The checking account was found to be open and have a positive history.
POS	8888	Pass SAV	The savings account was found to be open and have a positive history.
POS	9999	Pass NPP	This account was reported with acceptable, positive data found in recent or current transactions transactions. Positive history exists for multiple transactions.
NEG	GN01	Negative Data	Negative information was found.
NEG	GN05	Unassigned Routing Number	The routing number supplied is reported as not assigned to a financial institution
NEG	GP01	Private Bad Checks List	Known bad check writer
NEG	GS01	Invalid Routing Number	The routing number did not match the format of a valid routing number.
NEG	GS02	Invalid Account Number	The account number did not match the format of a valid account number.
UNK	ND00	No Data	Unknown. No positive or negative information has been reported on the account.
NEG	ND01	No Data - US Govt Only	No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority.
NEG	RT00	No Information Found	The routing number appears to be accurate however no positive or negative information has been reported on the account. Please contact customer to ensure that the correct account information was entered.
NEG	RT01	Declined	This account should be returned based on the risk factor being reported.
NEG	RT02	Reject Item	This item should be returned based on the risk factor being reported.
NEG	RT03	Accept With Risk	Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items)
NEG	RT04	Non Demand Deposit Account	This is a Non Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity or a Brokerage check.
NEG	RT05	Accept With Risk	Recent negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items)

Account Owner Response Codes

When a bank account’s owner can be verified to match the owner information supplied in the Bank account ID endpoint, POS will be returned as the OwnerAuth.Status.

Owner information that does not match the supplied owner information, will result in NEG as the OwnerAuth.Status.

If the bank account fails verification or the bank account exists at a bank that is not linked directly to our verification network, the OwnerAuth.Status will be set to UNK (for unknown) and no other OwnerAuth values will be set.

The following table shows all possible OwnerAuth (ownership authentication) responses from the Bank account ID system:

Status	Code	Code Data	Code Description
UNK	0	No Data	No ownership auth response for this bank account
NEG	CA00	AV Failed	Account verification failed, no owner authentication call was performed
NEG	CA01	Declined	Information submitted failed authentication.
POS	CA11	Pass	Customer authentication passed.
NEG	CA21	Risk Alert	The customer or business name data did not match account data.
NEG	CA22	Risk Alert	The customer's TaxId (SSN/ITIN) data did not match account data.
POS	CA23	Accept With Risk	The customer's address data did not match account data.
POS	CA24	Accept With Risk	The customer's phone data did not match account data.
POS	CA25	Accept With Risk	The customer's date of birth or ID data did not match account data.
NEG	CA30	Risk Alert	Multiple secondary data points did not match account data.

Response Notes for Bank ID

Bank account status erification is always still performed first. The bank account verification results are returned in the normal ExpressVerify response fields. Ownership authentication will only be attempted if the bank account passes verification and the account exists at a bank on our real-time verification network.

So that means only the following bank account verification response codes will trigger an attempt at authentication ownership: 1111, 5555, RT02 and RT03.

If bank account verification fails or if it succeeds with something other than one of the response codes listed above, bank account ownership will not be authenticated.