Sardine Bank Account Validation is a service that verifies bank account ownership and assesses risk levels in real-time. The product provides coverage across large banks, regional banks, credit unions, and fintechs. The service offers two primary functions: authentication, which checks if the user is the real account owner or an authorized user, and verification, which provides instant visibility into account status and risk levels. The product uses smart routing across multiple providers and incorporates data from the Sonar consortium dataset to reduce false positives. The platform supports multiple use cases including account funding at onboarding, transfers and withdrawals, real-time payments (such as Zelle, FedNow, RTP), and payroll deposit verification. It aims to prevent fraud scenarios including unauthorized withdrawals, social scams, account takeovers, and payroll diversion fraud. The service integrates with device and behavior biometrics to detect suspicious user activity, identity verification data to triangulate user identity, and dark web monitoring to identify compromised accounts. The product is designed to help organizations reduce operational overhead, prevent fraudulent ACH returns, and comply with GLBA requirements rather than FCRA. Sardine is recognized as a Nacha Preferred Partner for Fraud Prevention, Risk, and Compliance.