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Verification

Verifying a bank account is done by capturing the account number, routing number, and account type (checking or savings). This information helps confirm that the account is valid, active, and associated with an authorized user, while also identifying potential risk signals. Route: 
https://api.joinworth.com/integration/api/v1/banking/business/{businessID}
Requirements:
The following 3 parameters are required to verify banking information: 
{
  "bank_account_number": "bank account number",
  "bank_routing_number": "9 digit routing number",
  "bank_account_subtype": "Checking" or "Savings"
}

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Authentication

Authenticating the bank account is done by capturing the account number, routing number, account type (checking or savings), and either the company name or the account owner’s first and last name are sent. This ensures the person or entity submitting the account has the legal authority to access or transact on it. Requirements:
In addition to the bank account number, routing number, and account type (checking or savings), the following is also required:
  • If a business account:
    • name
  • If a personal account:
    • owner1_first_name
    • owner1_last_name
{
  "bank_account_number": "bank account number",
  "bank_routing_number": "9 digit routing number",
  "bank_account_subtype": "Checking" or "Savings",
  "name": "SMITH & ASSOCIATES CONSULTING", // required if business bank account

  // or

  "owner1_first_name": "John",  // required if owner bank account
  "owner1_last_name": "Smith"   // required if owner bank account
}
This information will allow for banking information to be verified.