Deposit and Payment Solutions Suite

Early Warning's industry-leading deposit and payment solutions serve to mitigate fraud with advance notification of
high-risk deposits and payments from all channels.

Deposit Chek® Service

Enhance your customer experience by increasing funds availability while reducing losses with Early Warning’s Deposit Chek Service.

Deposit Chek Service, available in Real-time and Batch, sets the standard in helping to prevent deposit fraud, whether check or electronic transfers, and expedite funds availability decisions. This cross-institution solution, fueled by the National Shared DatabaseSM Resource, the industry's most current and accurate source of collaborative financial data, is able to provide responses on 95% of open and active draftable and non-draftable checking and savings accounts in the U.S.

Batch Deposit Chek Service with Duplicate Item Detection now enables FIs to optimize their mobile remote deposit capture strategy by cross-checking deposits made at teller windows, ATMs, back offices, and via mobile devices.

Deposit Chek Service answers the following questions:
  • Does the payer’s account exist…and is it in good standing?
  • Is the account in a closed, NSF or other high-risk status?
  • Has a stop-payment been placed on an item?
  • What is the likelihood of the item being returned?
  • Is the item a potential duplicate?
Coming soon, FIs will also be able to:
  • More effectively determine if the item presented has a high likelihood of being counterfeit (in Batch and Real-time)
  • Cross check deposits at teller windows, ATMs, back offices, and via mobile devices with Real-time Deposit Chek Service with Duplicate Item Detection
  • Determine the return risk of an item with the Real-time Deposit Chek Service Participant Score
Request Batch Deposit Chek Service with Counterfeit Notification Solution Brief
Request Real-Time Deposit Chek with AOA Solution Brief
Request Batch Deposit Chek with Duplicate Item Detection Solution Brief

Payment Chek® Service

Leverage Collaborative Bank Data to Enhance Payables and Receivables.

Payment Chek Service, available in Real-time as well as a Day 2 Batch option, is the first and only technology to utilize industry contributed account data to support payment enrollments – whether check, ACH or wire and identify potentially high-risk payments made from checking accounts.

Real-time Payment Chek Service with Account Owner Authentication leverages the collaborative intelligence of the National Shared Database Resource to authenticate Demand Deposit Accounts (DDA) ownership, account signatory, and account status – providing inquiry responses in real-time. Now, merchants and billers can mitigate insufficient funds (NSF), reduce administrative and unauthorized ACH returns and account takeover fraud, while reducing costs and better enabling a positive customer experience.

NACHA Announces Early Warning as its Preferred Partner for Account Validation Services
NACHA’s Preferred Partner program identifies leading providers and innovators that work with NACHA to advocate for and educate the industry on technology and best practices in support of the ACH Network and ACH payments. Early Warning was selected as the first and currently only Preferred Partner for its account validation service.

Request Real-time Payment Chek Solution Brief
Request Real-time Payment Chek with AOA Solution Brief

Account Owner Authentication (AOA)
for Government

Proactive Solution to Combat Tax Refund Fraud

In addition to mitigating payment fraud for commercial businesses, Early Warning is also helping tax agencies to confirm taxpayer identities and deposit account information do, in fact, match before tax refunds are paid out. The service, known as Account Owner Authentication (AOA) for Government, is powered by the National Shared Database Resource, the industry’s most current and accurate cross-bank resource.

AOA for Government solution suite includes:
  • AOA for Government
  • Account Status for Government
  • AOA plus Account Status for Government
  • Quickly validate a deposit account’s existence
  • Assess the risk associated with processing the refund
  • Report whether the taxpayer's name, address, Social Security number and other elements match the deposit account in real-time
  • Confirm that the taxpayer is the authorized owner or signor of the account
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Solution Resources

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For more information, click the button below to contact an Early Warning Account Manager.

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