> ## 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.

# Owners

The Owners product returns the account-identity data recorded with a customer's financial institution — full name, phone number, mailing address, and email address. Developers use it to verify customer identity for ACH, KYC, and risk workflows.

<Note>
  **API Reference**

  * Search financial accounts: `GET /bank-linking/accounts`
  * Get a specific financial account: `GET /bank-linking/accounts/{accountId}`
</Note>

## Overview

Account identity information helps you verify your customer's identity by accessing the data recorded with their financial institution.

## Use cases

Common use cases for verifying a customer's identity:

* Verify an account before initiating an ACH transaction.
* Verify depository-type accounts (such as checking and savings) and credit-type accounts (such as credit cards).
* Verify the information provided by your customer with a trusted source when opening a new account.
* Verify customers you have identified as higher risk based on data such as email address, location, financial institution, or activity patterns.

## Account identity data

When calling the financial account endpoint, you can access the account's identity data for that account. See [Retrieving Connection Data](/docs/bank-linking/get-connection-data/retrieving-connection-data) for an example.

<Warning>
  Specifying `OWNERS` as a product in `/bank-linking/connect/start` does not guarantee account-owners data will be available for every account in the connection. Some accounts do not have owners data, and others may only have a subset of the owner fields.
</Warning>

## Sample response

```json theme={null}
{
    "id": "W9ja25UmrZF25xbG22wdd",
    "accountId": "W9kbkRme9VT2iz6qdsaww2",
    "customerId": "W9ja24edcTHBks8h2e2dww",
    "institutionId": "Ntj3AwgdridJc2rasdssdd",
    "institutionName": "Chase",
    "status": "ACTIVE",
    "type": "DEPOSITORY",
    "subtype": "CHECKING",
    "name": "Checking",
    "truncatedAccountNumber": "1234",
    "identifiers": {
        // data
    },
    "balances": {
        // data
    },
    "owners": [
        {
            "addresses": [
                {
                    "data": {
                        "street": "123 Cherry Hill Lane",
                        "city": "Palo Alto",
                        "region": null,
                        "postalCode": "94537-8038",
                        "country": "USA",
                        "full": "123 Cherry Hill Lane Palo Alto CA 94537-8038 USA"
                    },
                    "primary": "UNKNOWN"
                }
            ],
            "emails": [
                "gjones@hotmail.net"
            ],
            "names": [
                "George Jones"
            ],
            "phoneNumbers": null
        }
    ],
    "serviceProviderDetails": [
        // data
    ]
}
```