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Analyze transaction-level bank data for cash flow underwriting and alternative credit assessment. Connect directly to the borrower’s bank through Truv Bridge for a detailed view of income deposits, spending behavior, and balance trends.
Try the demo — Run the Bank Income demo to see bank transaction-based income verification. Clone the demo app ->

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Benefits

Cash Flow Underwriting

Real transaction data for repayment capacity

Alternative Credit

Extend credit to thin-file and underserved borrowers

Income Detection

Identify recurring deposits without payroll connection

Up to 2 Years

30-730 days of transaction history, configurable per request

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What you get

Transaction Data

  • Individual transactions with date, description, amount, and type
  • Recurring deposit identification
  • Expense categorization

Account Details

  • Account type (checking, savings)
  • Verified account holder
  • Current and available balances
  • Routing and masked account number

Cash Flow Analysis

  • Net cash flow trends
  • Balance history
  • Recurring income patterns
  • Spending behavior

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Use cases

Analyze real transaction data to assess repayment capacity. Particularly effective for borrowers whose income is not easily captured by traditional pay stubs.
Identify recurring deposits to estimate income when payroll-based verification is not available, such as for self-employed or gig-economy workers.
Build a financial profile from transaction data for borrowers with thin credit files or limited credit history.
Extend credit to underserved populations by supplementing traditional credit data with bank transaction insights.

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Data coverage

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Financial Institutions

Truv connects to major banks and credit unions:
Institution TypeExamples
National banksChase, Bank of America, Wells Fargo, Citi
Regional banksPNC, US Bank, TD Bank
Credit unionsNavy Federal, State Employees CU
Online banksAlly, Marcus, Discover
NeobanksChime, Current, Varo

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How to implement

PathCode requiredBest for
Bank IncomeMinimalTransaction-based income verification
Truv DashboardNoneManual orders, pilot testing
API ReferenceCustomFull API control

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Report structure

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API Response

{
  "count": 2,
  "accounts": [
    {
      "id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "type": "CHECKING",
      "subtype": null,
      "mask": "1234",
      "nickname": "Primary Checking",
      "balances": {
        "currency_code": "USD",
        "balance": "4500.00",
        "available_balance": "4200.00",
        "credit_limit": null
      }
    }
  ],
  "transactions": [
    {
      "id": "tx_a1b2c3d4",
      "account_id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "amount": "2650.00",
      "currency_code": "USD",
      "description": "DIRECT DEPOSIT - ACME CORP",
      "status": "POSTED",
      "type": "CREDIT",
      "posted_at": "2024-01-15T14:00:00Z",
      "transacted_at": "2024-01-15T10:30:00Z",
      "categories": ["Transfer", "Payroll"],
      "is_direct_deposit": true
    },
    {
      "id": "tx_e5f6a7b8",
      "account_id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "amount": "1800.00",
      "currency_code": "USD",
      "description": "RENT PAYMENT",
      "status": "POSTED",
      "type": "DEBIT",
      "posted_at": "2024-01-12T10:00:00Z",
      "transacted_at": "2024-01-12T10:00:00Z",
      "categories": ["Home", "Rent"]
    }
  ]
}

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API reference

Bridge Token

Create tokens for Truv Bridge

Balances

Account balance data

Accounts

Financial account details

Users

Create and manage users

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Best practices

Truv supports 30 to 730 days of transaction history. Set days_requested when creating the report to control how much data you receive. 60 days is the default. Check the days_available field on each account to see how much history was returned.
Filter for recurring deposits to estimate stable income, especially for borrowers with irregular pay schedules.
Bank Aggregation works best alongside Income & Employment verification. Use payroll data as the primary income source and bank data for supplementary analysis.

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Next steps

Bank Income

Full implementation walkthrough

Income & Employment

Payroll-based income data