Instant Verification Reason Codes

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.
`BVERR`	Bank data provider error. The bank data provider returned an error while trying to retrieve the bank account information.
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.
BPHNOM	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.
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.
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.
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.
BADDRM	The bank account owner's address information matches the information provided. If no Address is provided, then null instead of NoMatch.
BADDRNOM	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.
BEMAILNOM	The bank account owner's email information does not match the information provided. If no Email is provided, then null instead of NoMatch.
BENI	Bank information not found by our provider when we expect data coverage for the given bank routing number.
BNIF	No bank information found by our data provider. This could be because our provider doesn't have data for the given bank.
BVSUC	Bank Data Provider performed account verification. This doesn't mean verification was successful - it just means we receives some data from data provider. Please refer to other reason codes for the results of the verification.