These are the values for the reason_cd response field of the Get Instant Verification endpoint.
Values are ordered by the overall risk level and grouped by similarity.
| Code | Description | Overall risk level |
|---|---|---|
| BVCI | The bank account is either closed, invalid, or in a negative status. This is derived using the routing number and account number. | Very high |
| BACVST | The bank account is closed and invalid. It was closed less than 7 days ago. | Very high |
| BACST | The bank account is closed and invalid. It was closed between 7 and 30 days ago. | Very high |
| BVDRL | The bank account is either ineligible for a debit activity or deemed to have a high probability of return. This is derived using the routing number and account number. | High |
| BAONM | The bank account owner's information does not match with the information provided. This is compared using first name and last name/business name. | High |
| BLIAR | Invalid account number/routing number provided. This is derived using the routing number and account number. | High |
| BOBAONM | The bank account owner information does not match the information provided. This is compared using first name and last name provided through the open banking data provider. | High |
| BVEDIO | The bank data provider returned invalid owner information error, typically involving data quality errors where the input cannot be processed. This can be due to incorrect first name or last name for personal bank accounts or incorrect business name for business bank accounts. | High |
| BVEIBS | The bank data provider returned invalid length for account number and routing number error. This can be due to incorrect account number or routing number or user entered incorrect account number or routing number. | High |
| BDOBNOM | The bank account owner's date of birth information does not match the information provided. If no DoB is provided, then null instead of NoMatch. | High |
| BTAXNOM | The bank account owner's SSN or Tax ID information does not match the information provided. If no SSN or Tax ID is provided, then null instead of NoMatch. | High |
| BANEW | The bank account is open and valid. But, it has been open less than 7 days. | High |
| BALOWT | The bank account is open and valid. But, it was opened recently (between 7 and 30 days). | High |
| BACMT | The bank account is closed and invalid. It was closed between 30 days and 1 year ago. | High |
| BACLT | The bank account is closed and invalid. It was closed between 1 year and 3 years ago. | High |
| BACVLT | The bank account is closed and invalid. It was closed more than 3 years ago. | High |
| BVONI | No information was found for the given bank account based on routing number and account number. | medium |
| BAOMP | The bank account owner's information is partially matched. This is compared using first name and last name/business name. | medium |
| BANI | No information was found for the given bank account authentication. | medium |
| BVSIA | The bank account provided is not a demand deposit account. This is supplementary information by a third party bank data provider. | medium |
| BPHNOM | The bank account owner's phone number mismatch. If no phone number is provided, then null instead of NoMatch. | medium |
| BADDRNOM | The bank account owner's address information does not match the information provided. If no Address is provided, then null instead of NoMatch. | medium |
| BEMAILNOM | The bank account owner's email information does not match the information provided. If no Email is provided, then null instead of NoMatch. | medium |
| BAMEDT | The bank account is open and valid. It has a medium tenure (between 30 days and 1 year). | medium |
| BNIF | The bank data provider did not find any information about the bank. This could be because our provider doesn’t have data for this bank. | medium |
| BENI | We were unable to retrieve bank information for the routing number, even though we have a high success rate of retrieving information for that specific bank from our bank data provider. | medium |
| BVOV | The bank account is open and valid. This is derived using the routing number and account number. | low |
| BAOM | The bank account owner's information matches the information provided. This is compared using the first name and last name/business name. | low |
| BPHM | The bank account owner's phone number matches. | low |
| BDOBM | The bank account owner's date of birth information matches the information provided. If no DoB is provided, then null instead of NoMatch. | low |
| BTAXM | The bank account owner's SSN or Tax ID information matches the information provided. If no SSN or Tax ID is provided, then null instead of NoMatch. | low |
| BADDRM | The bank account owner's address information matches the information provided. If no Address is provided, then null instead of NoMatch. | low |
| BEMAILM | The bank account owner's email information matches the information provided. If no Email is provided, then null instead of NoMatch. | low |
| BALNGT | The bank account is open and valid. The bank account has a long tenure (between 1 year and 3 years). | low |
| BAVLNGT | The bank account is open and valid. The bank account has a very long, established tenure (greater than 3 years). | low |
| BVRSN2 | When the response includes this code, the latest GIVE version was run. (The previous version ran if this is not included.) | |
| BVSUC | The bank data provider performed the verification of this account. This doesn’t mean the verification was successful, it just means we received some data from the data provider. Please see other reason codes for the results of the verification. | |
| BVERR | Bank data provider error. The bank data provider returned an error while trying to retrieve the bank account information. | |
| BVEDPT | The bank data provider timed out while trying to retrieve the bank account information. |