We Built What the
Industry Was Missing
Bank account verification was broken. Slow, unreliable, and opaque. eCheck.io was founded to change that — with a product-first approach to financial data clarity.
Clarity for every financial decision
We believe that no business should process a payment, fund a loan, or onboard a customer without knowing the true state of the account behind it.
- Active Open and in good standing
- Inactive No recent account activity
- Dormant Long-term inactivity flagged
- Closed Account is no longer open
One call, four states. A pass/fail answer hides the difference between an account that is dormant and one that is closed — we return the state itself.
Financial decisions shouldn't be made in the dark. We built eCheck.io so that every business, lender, and platform can know the true state of any account — instantly and with certainty.
From idea to industry standard
Key milestones in our mission to fix bank account verification.
The Problem Identified
We started by auditing why payments fail. Across thousands of ACH returns, 73% traced back to an account state that could have been known before the money ever moved.
- Root-cause audit of ACH return codes
- Four-status verification model designed
- Founding team assembled
Built on Three
Core Principles
Everything we build is measured against these standards. They shape our product, our team, and how we work with customers.
←→ Navigate
Accuracy Above All
Every verification result is only as good as the data behind it. We obsess over signal quality, data freshness, and result precision — so you never make a decision on stale information.
- Sourced from the LyonsReg AOA database
- Four states, never a binary pass or fail
- Freshness checked on every request
Security by Design
Security is embedded into every layer of our architecture — from how we query data to how we store (or don't store) your request metadata. Zero raw credentials. Zero retention.
- SOC 2 Type II audited annually
- End-to-end TLS 1.3 encryption
- Annual third-party penetration testing
Reliability at Scale
Our 99.98% uptime SLA isn't a marketing promise — it's contractual. We run on redundant, globally distributed infrastructure with automatic failover and 24/7 monitoring.
- Multi-region active-active deployment
- Automated failover under 2 seconds
- 24/7 monitoring across all regions
Enterprise-Grade
Infrastructure
eCheck.io runs on a multi-cloud architecture with primary and failover clusters across three regions. Our data pipeline is designed for zero single points of failure.
Ready to Work With Us?
Get a demo and see how eCheck.io fits your workflow.