Menu PRODUCTS OUR PRODUCTS WORK TOGETHER - FOR YOU Everything We Offer is Part of a Larger Solution We use contributed data from over 2,500 financial institutions across the United States to offer deep insights into accounts, identities, and payments and deposits while also owning and operating the Zelle Network® for the fast, safe, and easy movement of money. Accounts Identity & Behavior Payments & Deposits Zelle Network® Accounts Leverage deposit account information for a wide range of use cases, including lending, identity theft protection, government programs and non-FCRA verification. EXPAND CREDIT INSIGHTS Expand credit decisioning criteria with financial institution-contributed deposit account data for the greater good of improving financial inclusion. IDENTITY CHEK® SERVICE ALERTS Alert identity theft protection subscribers of high-risk activities within their deposit accounts. ACCOUNT LOCATOR & ASSET SEARCH AND VERIFICATIONSM SERVICE Get a safe, fast and cost-effective way to locate accounts, determine assets and respond to asset inquiries. Identity & Behavior Protect your customers and your business by seamlessly validating identities and predicting the level of account risk associated with a someone new. IDENTITY CHEK® SERVICE - NEW ACCOUNT SCORES Open accounts with confidence by using bank intelligence to validate the customer’s identity and assess the likelihood of first-party fraud or account mismanagement. VERIFY SSN (ECBSV) Verify SSNs electronically with the SSA when opening new accounts. Payments & Deposits Ensure the flow of money by confirming account ownership and the completion of check and ACH payments. DEPOSIT CHEK® SERVICE Reduce deposit losses by receiving high-risk deposit notifications and checking account owner authentication in real-time. PAYMENT CHEK® SERVICE Reduce check and ACH payment losses by receiving high-risk payment notifications and validating account owner authentication in real-time. ACCOUNT OWNER AUTHENTICATION (AOA) Validating account ownership for financial institutions, corporates, and government entities. Zelle Network® Modernize your offerings with a best-in-class digital payment network that helps consumers utilize their bank for fast, safe and easy payments. ZELLE® PERSON-TO-PERSON PAYMENTS (P2P) Enable your customers to send and receive money with friends, family and others they trust within minutes*. RISK INSIGHTS FOR ZELLE® Personalize send limits and drive more usage of Zelle® while protecting your business and customers from fraud and scams. DISBURSEMENTS WITH ZELLE® Send corporate or government payments to almost anyone in the United States using only the recipient’s email or U.S. mobile number.* ZELLE® SMALL BUSINESS For landlords, dog sitters, plumbers and more, Zelle® enables small businesses to send and receive money directly from their mobile banking app. Early Warning Services, LLC, is a fintech company owned by seven of the country’s largest banks. For almost three decades, our identity, risk and payment solutions have been empowering financial institutions to make confident decisions, enable payments and mitigate fraud. Today, Early Warning is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming payment experiences. FOOTER PRODUCTS BRIGHT IDEAS NEWS Looking for Consumer Report Information? Early Warning supports consumers' rights to dispute and corrects inaccurate or incomplete information. YOUR CONSUMER REPORT EW Top Footer Menu Blog About Careers Contact Channel Partners Connect with Early Warning LinkedIn Connect with Zelle Facebook Instagram Legal © 2021 Early Warning Services, LLC. All Rights Reserved Your Privacy Rights Supplier Registration Legal Subpoena Process Reporting Vulnerabilities