# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Verify a U.S. bank account and ownership 

In this tutorial, you will learn how to verify a United States bank account status and authenticate the account owner’s name. By the end of this tutorial, you will know how to:

- Verify if an account exists and is active.

- Verify if an account is likely to result in a debit return.

- Validate the account status along with the beneficiary.

- Determine the required and optional field parameters.

> Verification is available for specific payment methods in the United States.
> 

## Before you begin

To retrieve the status of an Validation Services request, you will need the following:

- A [registered and fully onboarded](/docs/quick-start) Developer Account on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials to make a request.

## Verify and authenticate a bank account

Validating account status evaluates a bank account and determines if the account number is in good standing. To do this call a `POST` request to the `v2/validations/accounts` endpoint. The following example shows the required fields for an Account verification request. 

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "account": {
      "accountNumber": "12345",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "122199983",
          "idType": "ABA"
        }
      }
    },
    "entity": {
      "individual": {
        "firstName": "Jane",
        "lastName": "Abbot",
        "fullName": "Jane Abbot"
      }
    }
  }
]
```

The following example shows a deterministic account validation response for a single provider:

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1002,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5002,
            "message": "Ownership Match"
          }
        },
        "provider": "JPMC_ACH",
        "details": {
          "paymentCheckContributingStatus": "Contributed",
          "accountNumber": "XXXX5",
          "financialInstitutionId": {
            "clearingSystemId": {
              "id": "122199983",
              "idType": "ABA"
            }
          }
        }
      }
    ]
  }
]
```

The following example shows a deterministic account validation response for multiple providers:

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1001,
            "message": "Open Valid"
          }
        },
        "provider": "JPMC_ACH",
        "details": {
          "accountNumber": "XXXX5",
          "financialInstitutionId": {
            "clearingSystemId": {
              "id": "122199983",
              "idType": "ABA"
            }
          }
        }
      },
      {
        "codes": {
          "authentication": {
            "code": 6002,
            "message": "Ownership No Match"
          }
        },
        "provider": "EWS",
        "details": {
          "paymentCheckContributingStatus": "Contributed",
          "accountNumber": "XXXX5",
          "financialInstitutionId": {
            "clearingSystemId": {
              "id": "122199983",
              "idType": "ABA"
            }
          }
        }
      }
    ]
  }
]
```

### Probabilistic account validation

The following example shows a probabilistic account validation request:

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "profileName": "brie",
    "account": {
      "accountNumber": "61231234337",
      "financialInstitutionId": {
        "clearingSystemId": {
          "id": "021000021",
          "idType": "ABA"
        }
      }
    },
    "entity": {
      "individual": {
        "firstName": "George",
        "lastName": "White"
      }
    },
    "transactions": []
  }
]
```

The following example shows a probabilistic account validation response:

```json
[
  {
    "requestId": "123e4567-e89b-12d3-a456-426614174000",
    "clientReferenceId": "CLIENT-REF-12345",
    "responses": [
      {
        "codes": {
          "verification": {
            "code": 1001,
            "message": "Open Valid"
          },
          "authentication": {
            "code": 5001,
            "message": "Ownership Match"
          }
        },
        "provider": "JPMC_ACH",
        "details": {
          "accountNumber": "XXXXXXXX337",
          "financialInstitutionId": {
            "clearingSystemId": {
              "id": "021000021",
              "idType": "ABA"
            }
          }
        }
      }
    ]
  }
]
```

## Successful response messages

An HTTP status of 200 indicates a successful response. The following fields indicate the result:

- responseStatus

- responseCode

- responseMessage

## Authenticate an individual or business's bank account

To validate an individual’s bank account, use the following fields:

- individual.firstname

- individual.lastname

To validate a business’s bank account, use the following field:

- organization.name

## Related

- For more information about parameters, see [Account Validation parameters](/docs/fraud-solutions/validation-services/capabilities/account-validation/account-validation-parameters).

- For more information about the status responses and error codes supported by the Validation Services API, see [Validation Services error response codes](/api/fraud-solutions/validation-services/error-codes).

## Next steps

- Learn how to [perform micro-deposits](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/perform-micro-deposit).

- Learn how to [verify a global account](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/global-account-validation).

- Learn how to [request Account Confidence Score](/docs/fraud-solutions/validation-services/capabilities/account-validation/how-to/account-confidence-score)