These are the values for the reason_cd response field of the Get Instant Verification endpoint.
| Code | Description |
|---|---|
| BVOV | The bank account is open and valid. This is derived using the routing number and account number. |
| BVCI | The bank account is either closed, invalid, or in a negative status. This is derived using the routing number and account number. |
| 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. |
| BVONI | No information was found for the given bank account based on routing number and account number. |
| BVSNI | The bank account requested for verification has not been contributed by the participant bank. This is supplementary information by a third party bank data provider. |
| BVSCU | The bank account has been closed as a result of unacceptable use by the customer. This is supplementary information by a third party bank data provider. |
| BVSCR | The bank account has been removed from the Contributor's source. This is supplementary information by a third party bank data provider. |
| BVSDA | The bank account will not accept any debit activity. This is supplementary information by a third party bank data provider. |
| BVSCC | The bank account has been closed and removed from the Contributor's source. This is supplementary information by a third party bank data provider. |
| BVSCP | The bank account is closed in the last processing cycle. This is supplementary information by a third party bank data provider. |
| BVSDB | The bank account has a history of available balance being less than zero. This is supplementary information by a third party bank data provider. |
| BVSIA | The bank account provided is not a demand deposit account. This is supplementary information by a third party bank data provider. |
| BVSHR | The bank account has a high probability of return. This is supplementary information by a third party bank data provider. |
| BLIAR | Invalid account number/routing number provided. This is derived using the routing number and account number. |
| BVEDPT | The bank data provider timed out while trying to retrieve the bank account information. |
| 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. |
| BAOM | The bank account owner's information matches the information provided. This is compared using the first name and last name/business name. |
| 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. |
| BANI | No information was found for the given bank account authentication. |
| 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. |
| 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. |
| BAOMP | The bank account owner's information is partially matched. This is compared using first name and last name/business name. |
| BANEW | The bank account is open valid and it has been open less than the first billing cycle. |
| BALOWT | The bank account is open valid and it was opened recently. |
| BAMEDT | The bank account is open valid and it has a medium tenure. |
| BALNGT | The bank account is open valid and has a long tenure. |
| BACVST | The bank account is closed invalid and it was closed less than 30 days ago. |
| BACST | The bank account is closed invalid and it was closed between D-30 and D-60. |
| BACMT | The bank account is closed invalid and it was closed between D-60 and D-180. |
| BACLT | The bank account is closed invalid and it was closed more than 180 days ago. |
| BPHNM | The bank account owner's phone number mismatch. If no phone number is provided, then null instead of NoMatch. |
| BPHM | The bank account owner's phone number matches. |
| BDOBM | The bank account owner's date of birth information matches the information provided. If no DoB is provided, then null instead of NoMatch. |
| BDOBNM | 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. |
| 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. |
| BTAXNM | 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. |
| BADDRM | The bank account owner's address information matches the information provided. If no Address is provided, then null instead of NoMatch. |
| BADDRNM | The bank account owner's address information does not match the information provided. If no Address is provided, then null instead of NoMatch. |
| BEMAILM | The bank account owner's email information matches the information provided. If no Email is provided, then null instead of NoMatch. |
| BEMAILNM | The bank account owner's email information does not match the information provided. If no Email is provided, then null instead of NoMatch. |