> ## Documentation Index
> Fetch the complete documentation index at: https://docs.meld.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Verification

Account verification confirms that a user owns and has access to a specific bank account. Developers use it most commonly before initiating an ACH transaction so that they know the user is authorized to move money from the bank account in question.

## How it works

Account verification involves creating a connection that requests the [OWNERS](/docs/bank-linking/bank-linking-quickstart/bank-linking-products/account-owners) and [IDENTIFIERS](/docs/bank-linking/bank-linking-quickstart/bank-linking-products/account-identifiers) products:

* Through the **OWNERS** product you get the user's name and address.
* Through the **IDENTIFIERS** product you get the user's account number and routing number.

Once the connection completes, you have verified the user's identity and access to the bank account and can perform an ACH transaction.

<Tip>
  Every bank linking connection has a Meld `customerId` associated with it. Use that same `customerId` when creating a payments customer so that the bank account and payments customer are linked.
</Tip>