Overview - Bank account verification
Signzy's Bank Account Verification service offers extensive coverage, enabling the verification of bank accounts in over 195 countries worldwide. For the US market, we have integrated with Finicity, a trusted partner, to provide comprehensive verification capabilities. For the Canada market, we have integrated with Flinks. Also we are collaborating with other partners around the world to ensure global coverage for for bank account verification beyond the United States.
Our Bank Account Verification solution is highly customizable to cater to the specific requirements of our clients. This means that we can implement country-specific workflows tailored to the needs of our clients. For instance, if you prefer to verify the bank accounts of your US customers using Finicity while using another solution for customers from other countries, our system seamlessly supports such configurations through a single endpoint.
Check specific Bank account verification APIs documents ahead to know how the APIs will work at the backend.

Supported Countries :- US, Canada
Countries in Roadmap :- UK (Feb), UAE (Mar)
Our Bank Account Verification service offers a seamless experience by providing a single endpoint for customization based on country-specific requirements. Regardless of the chosen flow, our solution ensures efficient verification of global bank accounts.
For US bank account verification, we leverage our trusted partner, Finicity, renowned for its real-time capabilities. By utilizing the relevant APIs in the background, we gather the necessary data points required by our clients. The system then generates a JSON response, providing the client with the verified information.
For bank accounts in other countries, our other solutions comes into play.
Irrespective of the chosen solution, clients receive a standard response from Signzy, streamlining the integration and ensuring a consistent experience across different verification methods.
Please note that we have mentioned the flow below to give you idea on how it works at the backend. Signzy will provide you single endpoint for all your bank account verification needs.
Please find the below flow of Finicity APIs to get the desired output. Please note that Signzy will run these APIs in the backend according to the requirements of client. Signzy will not give different endpoints to their client. Client will be able to use single endpoint for all their needs. We have illustrated below flow in order to give you idea about Signzy's process.
- Calling Create bank connect journey link API for user to start the journey and authorize finicity for account access.Â
- Signzy gives unique Tracking ID to the client for the user mapping. (Please read more about Tracking ID below)
- The Create bank connect journey link API should give customerid, accountId, currency, institutionId in the webhook.
- Signzy will call Get Account Owner Details, Get Account ACH Details, Get Institution by ID APIs in parallel to get the required data using the above responses in webhook. Please find the complete mapping at the end.Â
- Signzy will call Delete Customer API at the end to avoid any recurring monthly charge to customer.
- The responses from the above APIs will be combined, and the desired parameters will be extracted. These parameters will then be formatted into a JSON file and shared with the client. The JSON file will also contain the Tracking ID for the mapping with correct user.
We will be adding Europe Bank Account Verification Services soon. Please get in touch with your Sales Representative for more details.
Paramater Name | Data Type | Required | Description |
|---|---|---|---|
customerId | string | Yes | A unique 24 digit clientid assigned to Signzy's customer. Client has to send the same id each request for tracking at Signzy's end. |
country | string | Yes | Country of bank account for which verification is being done. e.g. "US", "CA" |
flowId | string | Optional | A flowId is an exclusive identification number that is allocated to each customization within a journey, such as a brand logo or brand color. Multiple distinct customizations can be established, and each one is represented by a unique flowId. This is optional as you can have only single default flowid as well. Please contact your Sales administrator to setup customizations. e.g. "1", "2" |
redirectUrl | string | Optional | redirectUrl is a Url on which end user will be redirected after completing the journey. You can pass the redirectUrl every time in request body or you can contact us to setup your default redirect url. This is optional as you can have only single default redirectUrl as well. e.g. "www.signzy.com" |
getTransactions | boolean | optional | Transactions will be fetched when this value will true |
transactionsPeriod | string | required when getTransactions is true | transactionPeriod is the number of months for which transactions need. "3" :- 3 months transactions will be fetched, "12" :- 12 months transactions will be fetched "36" :- 36 months transactions will be fetched CA is not supported for 36 months. |
getBankBalance | string | optional by default "true" | Balance will not be fetched when this value will false |

Paramater Name | Data Type | Description |
|---|---|---|
link | string | Journey link on which you will direct your end user to complete the consent based bank account verification journey. |
traceId | string | traceId is a unique id for this customer which you need to store at your end. In the bank account verification response which will be received in callback, you will also get this trackingId so that you can map the details to correct user. |
TrackingId is necessary to do the correct response mapping after sucessful completion of bank account verification. You will get link and a unique trackingId as the API response. The same trackingId will come in the JSON after succesful completion of bank account verification at your callback.
Please store this trackingId so that you can map the JSON response (received in callback) with the correct user.
Flexibility is key when it comes to catering to the diverse needs of our end users. Our system is designed to accommodate both scenarios, allowing end users to choose between managing multiple bank accounts or opting for a single bank account.
As part of our response mechanism, we can furnish information on either multiple accounts or a singular account, depending on the user's preference. To tailor this functionality to your specific requirements, we recommend collaborating with your dedicated account manager.
Your account manager will guide you through the configuration process, ensuring that the system is optimized to meet your business goals and provide an optimal experience for your end users.
Note :-
The data in above fields is subject to availability in the source.
Response Paramater by Signzy | Data Type | Description | Available in US response | Available in CA response |
|---|---|---|---|---|
trackingId | integer | Unique Tracking Id to map the response with correct user | yes | yes |
status | string | Status of bank account verification. Value can be either "SUCCESSFULL" or "INDETERMINATE" | yes | yes |
message | string | Message on whether the user has completed the journey. e.g. "The user has completed the journey." | yes | yes |
account1 | object | Object containing account1 details. Similarly, there will be account2, account3, account4 etc. | yes | yes |
account.currency | string | Currency of the account | yes | yes |
account.accountType | string | Type of account | yes | yes |
account.accountNumber | string | Account number | yes | yes |
account.balance | float | Account balance | yes | yes |
accountHolder.name | string | Account holder's name | yes | yes |
accountHolder.address | string | Full address of the account holder | yes | yes |
accountHolder.splitAddress | object | Represents the split address object comprising street, city, state, ZIP code, and country details of the account holder's address | yes | yes |
accountHolder.emails | array | Account holder's emails (Array of strings) | yes | yes |
accountHolder.phoneNumbers | array | Account holder's phone numbers (Array of strings) | yes | yes |
bank.routingNumberOrKey | string | Bank routing number or key | yes | yes |
bank.name | string | Bank name | yes | yes |
bank.iban | string | International Bank Account Number (IBAN) | no | no |
bank.swiftCode | string | Society for Worldwide Interbank Financial Telecommunication (SWIFT) code | no | no |
bank.name | string | Bank name | yes | yes |
bank.address | string | Bank address | yes | no |
bank.splitAddress | Object | Represents the split address object comprising street, city, state, ZIP code, and country details of the bank's address | yes | no |
bank.emails | array | Bank's emails (Array of strings) | no | no |
bank.phoneNumbers | array | Bank's phone numbers (Array of strings) | no | no |
transactions.date | string | Date of the transaction | yes | yes |
transactions.amount | float | Amount of the transaction | yes | yes |
transactions.description | string | Description of the transaction | yes | yes |
transactions.balance | float | Balance after the transaction | no | yes |
transactions.type | string | Type of transaction (if available) | yes | no |
Note for US :-
Specifically, the CD account (Certificate of Deposit) , and ACH transactions are not supported for CD account types. The ACH service currently supports account types such as "checking," "savings," "moneyMarket," and "loan."
This means for CD accounts, we will not have account number and routing number
Parameter | Description |
|---|---|
error | This parameter contains the error. |
error.name | the name of the error |
error.message | the error message |
error.status | status of the api |
error.reason | Reason for error |
error.type | Type of the error |
error.statusCode | Request Status code from Signzy |
Getting help
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