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    ACCOUNT OPENING

    Instant bank account verification for
    account opening

    Enable secure, instant bank account verification so users can open new accounts quickly without micro-deposits. 

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    Empower users to open new financial accounts

    Give users a frictionless start when opening new accounts. With instant bank account verification, you can reduce fraud risk and confirm user identities in real time. Akoya’s user-permissioned APIs make it easy to integrate into your onboarding flow so users can move money with confidence from the very first transaction. 

    Empower users to open new financial accounts
    ACCOUNT OPENING

    How it works

    Authorized connection

    A user wants to connect a checking account at their financial institution to open a new account or fund it instantly. The app presents an institution selection screen for the user to choose their bank. The app then captures consent and begins the instant bank account verification before redirecting the user back to their financial institution to log in.
    A user wants to connect a checking account at their financial institution to open a new account or fund it instantly. The app presents an institution selection screen for the user to choose their bank. The app then captures consent and begins the instant bank account verification before redirecting the user back to their financial institution to log in.

    Secure authentication

    Permissioned data provided

    ACCOUNT OPENING

    Underlying products

    Balances icon

    Balances

    Enable your users to access balances for bank accounts, credit cards, loans, investments, and more. 

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    Customers icon

    Customers

    Access verified contact information on file at your users' financial institutions. 

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    Payment Enablement

    Payments

    Empower your users to make ACH payments and Real-Time Payments (RTP) with the necessary identifiers. 

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    ACCOUNT OPENING

    Integrating with Akoya

    See all use cases
    Grant Code

    100% permissioned
    APIs

    Akoya provides secure, permissioned APIs that keep user credentials safe.
    HDI

    Seamless
    developer experience

    Developers can quickly add instant bank account verification to onboarding flows with Akoya’s simple SDKs.
    Light

    Easy
    integration

    Integrate once and avoid the hassle of building or maintaining one-off connections.
    Consent

    Reliable
    data

    Access real-time, accurate data to verify accounts instantly and let users open accounts faster.

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    Get started with instant bank account verification

    Explore Akoya’s self-service sandbox to see this use case in action. Set up a free account to test with sample data, then move to production and let customers start opening accounts faster and more securely. 

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    Read API docs