Account Verification

One of the use cases for bank linking is account verification. This is needed for example to make ACH transactions, in order to know that the user has access to the bank they are requesting you to pull money from.

Account verification involves making a connection that includes the OWNERS and IDENTIFIERS products. Through the owners product, you will get back the user's name and address. Through the identifiers product you will get back the user's account number and routing number.

Once this is complete, you have verified the user's identity and access to that bank account, and can then perform an ACH transaction. Every bank linking connection has a Meld customerId associated with it, use that customerId later when creating a customer.