Instant Bank Account
Verification for Smarter
Business Decisions
Know the real status of any bank account before you deposit, pay, or lend. Built for fintechs, lenders, enterprises, and platforms that demand accuracy.
Verify any account in three steps
Send a request with routing and account numbers. Get a clear, structured response in milliseconds.
Submit Request
Send routing and account numbers via our API or virtual terminal dashboard.
Real-Time Check
We query the Account-on-File database and cross-reference bank records instantly.
Get Results
Receive a clear status — Active, Dormant, NSF, or Closed — with risk scoring.
See verification results in real time
Our API returns structured, actionable data for every account check. Get status, risk scores, and clear recommendations — all in a single response under 300ms.
Everything you need to verify with confidence
eCheck.io delivers real-time bank account intelligence across every status type — in milliseconds.
Real-Time Verification
Sub-300ms API responses delivering verified account status the moment you need it — before any transaction completes.
Risk Detection
Identify accounts with insufficient funds before payment is initiated. Reduce return rates and protect your revenue.
Decline Account Flags
Surface accounts with zero activity over configurable lookback periods. Prevent deposits from landing in dead accounts.
Secure & Compliant
SOC 2 Type II certified. End-to-end encryption. Your queries never expose raw account credentials.
Developer-First API
RESTful JSON API with SDKs for Node, Python, Go, and Java. Integrate in under a day.
Analytics Dashboard
Track verification trends, risk ratios, and API performance across all your queries from a single pane.
Trusted by teams that can't afford bad data
From early-stage fintechs to enterprise lenders, hear why teams choose eCheck.io.
"eCheck.io cut our payment return rate by 73%. The API integration took our team less than a day. It's the fastest vendor onboarding we've ever done."
"We process 50K+ verifications monthly. eCheck.io handles the volume without breaking a sweat — 99.99% uptime with sub-300ms responses every time."
"Before eCheck.io, we were flying blind on account status. Now our risk team has real-time data on every single transaction. Game changer."
Enterprise-grade from day one
Built for regulated industries with the strictest compliance standards.
256-bit SSL/TLS
End-to-end encryption
SOC 2 Type II
Audited annually
NACHA Compliant
ACH standards met
Bank-Level Security
FDIC partner banks
99.99% Uptime
Enterprise SLA
Questions? We've got answers.
Everything you need to know about eCheck.io. Can't find what you're looking for? Our team is happy to help.
Contact SupporteCheck.io is a bank account verification platform that checks the real-time status of any US bank account. Send a routing and account number via our API or dashboard, and receive instant results including account status (Active, Dormant, NSF, Closed), risk scoring, and recommended action.
Most verifications complete in under 300ms. Our average response time is ~210ms. We maintain 99.99% uptime with enterprise-grade infrastructure designed for high-volume, real-time processing.
eCheck.io is built for fintechs, lenders, payroll companies, insurance providers, and any enterprise that processes ACH payments. If you accept or send payments via bank accounts, eCheck.io helps you reduce risk and returns.
You can use our REST API for programmatic integration or our virtual terminal dashboard for manual lookups. API integration typically takes less than a day. We provide full documentation, code samples, and dedicated onboarding support.
Absolutely. All data is encrypted with 256-bit SSL/TLS in transit and AES-256 at rest. We are SOC 2 Type II compliant, NACHA compliant, and work with FDIC-insured partner banks. We never store raw account numbers after verification.
"Know before you deposit."
Join hundreds of businesses that rely on eCheck.io to make smarter financial decisions.