Early Warning Services

Certos scores are model driven, and Predict New Account Risk and Deposit Chek exist only as model output, yet the asset beneath is a consortium database more than three decades old. Without the models, the National Shared Database, deterministic account ownership checks and the two payment networks stay intact, which is most of the company.

Customers keep full control over how insights are used under their own policies, and consumers declined an account are told the referring institution decided, not Early Warning. No threshold, gate or limit on what an institution may automate is published.

Embedded machine learning and proprietary risk scoring come with no documentation, performance figures or validation report, though their output feeds account denials and funds holds. Consumer reporting accuracy duties attach to the underlying file, not the models.

More than $11.4 trillion in transactions screened in 2025, 124 million account applications supported and nine of the top ten United States banks using a new account product are published. The $3 billion fraud prevention figure rests on unpublished internal analysis, and no customer is named with an outcome.

A give to get model pools records covering more than 70 percent of United States demand deposit accounts in the National Shared Database, with anonymization before redistribution and Early Warning as Trusted Custodian. Use limits, exit treatment and whether contributed records train the scoring models are not stated, and the banks' customers in the data cannot decline.

File access is limited by law to permissible purposes, and the consumer page sets out identity theft resources and rights for trafficking survivors under Regulation V. Subprocessors, residency and retention go unaddressed for bank account history used to decide account access.

Neither Certos nor corporate pages name a certification, attestation report or trust portal, and the product site footer carries only a privacy notice and accessibility statement. SOC reports and bank examination evidence would be expected for account screening and payment services.

Nationwide specialty consumer reporting agency status under the Fair Credit Reporting Act is defined by federal statute and supervised by the consumer financial bureau and the federal trade regulator. That status comes from operating in a regulated category rather than a license granted after examination.

Expand Credit Insights brings contributed deposit data into lending decisions for applicants with no credit history, marketed as inclusive, with no fairness testing, disparate impact analysis or adverse action guidance published. Its account opening scores also help decide who gets a bank account at all.

Free file disclosure, a published dispute and reinvestigation form, no fee to correct inaccurate information and a channel for people declined an account give the affected person a real route. It reaches the underlying record rather than the model, since a person can contest the facts but not the risk score.

Across Certos, not one model, provider, architecture or version is named. Contributing institutions are described as a quantified class, so data supply is disclosed at category level while model supply goes undisclosed.

Products sit inside account opening and payment release through a single interface that adds capabilities without new integration work, and a May 2026 partnership with an identity decisioning platform reaches community lenders. Account opening and deposit origination platforms are not named as certified connectors.

Hosting, region, tenancy and residency all go unmentioned, though the domestic operation implies United States residency without stating it. Where the National Shared Database and inquiry data are processed is the open point.

Pricing, tiers and pricing basis go unpublished across Certos, and the commercial route is a contact form listing products of interest. How price relates to inquiry volume, or to the data an institution contributes, is not stated.

Roughly 2,500 banks and credit unions and about 5,000 participants are served, with product mappings for financial institutions, payment processors and government entities, plus a dedicated government benefit eligibility product. Institution size runs from its owner banks to community lenders, and the operation covers the United States only.