Account Ownership via Name Match

Orum's third tier of verification — Account Ownership via Name Match — determines for consumer accounts whether the first name and/or last name provided matches data tied to the bank account being verified.

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Required Fields

Note: The newpersonobject is required in order to run a Account Ownership via Name Match check.

API Behavior

Users request an ownership check using the type parameter of the Verify API. See below for a description of each ownership enum.

EnumDescription
status_ownershipThis request will first make a status check before making an ownership check.
control_ownershipThis request will make a control check in addition to a status check before making an ownership check.

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Additional Resources

An ownership verification also includes an account status verification. Additionally, you may also include an account control verification.

Status Descriptions

StatusDescription
pendingThe ownership status check request has been received and is in progress.
fullThe ownership status check came back as a full match, with both first and last names matching on the account.
partialThe ownership status check came back as a partial match, with either first or last name matching.
not_a_matchThe ownership status check came back without any matches on first or last name.
not_foundThe data for the requested bank account information was not available to check for a match.
canceledThe ownership status check was canceled due to an invalid account status.

Sample Webhook Event

{
  "account": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "created_at": "2024-09-26T18:35:05.334Z",
    "updated_at": "2024-09-26T18:35:05.334Z",
    "account_number": "string",
    "routing_number": "string",
    "account_holder_name": "string",
    "email": "[email protected]",
    "type": "status_ownership",
    "person":{
      "first_name": "John",
      "first_name_match": "match",
      "last_name": "Smith",
      "last_name_match": "match"
    },
    "ownership_status": "full",
    "verification_status": "pending",
    "status_reason": "blocked_account",
    "control_status": "pending",
    "debit_status": "pending",
    "debit_status_reason": "blocked_account",
    "estimated_verification_date": "2024-09-26T00:00:00.000Z"
  }
}