> ## Documentation Index
> Fetch the complete documentation index at: https://docs.worthai.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Banking

> When the [GET Banking Info](https://docs.worthai.com/api-reference/integration/banking/banking-information) call is made, two background processes are triggered: **verification** and **authentication**. These work together to confirm that a bank account is real, active, and that the person or business submitting it is authorized to use it.
In order to properly verify and validate banking information, a specific set of data is **_required_** to return the appropriate verifications and validations. This information is captured in the [POST Add Business](https://docs.worthai.com/api-reference/add-or-update-business/add-business) endpoint.
The following data validations will highlight what information is **required** to validate and authenticate banking information.

### **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:**

```http theme={null}
https://api.joinworth.com/integration/api/v1/banking/business/{businessID}
```

**Requirements:**\
The following 3 parameters are ***required*** to verify banking information:

```json theme={null}
{
  "bank_account_number": "bank account number",
  "bank_routing_number": "9 digit routing number",
  "bank_account_subtype": "Checking" or "Savings"
}
```

### **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`

```json theme={null}
{
  "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**.