(Disclosure: I’m at Increase (https://increase.com). I’m suggesting you use us to build something I want.)<p>There should be a tool to validate US bank account numbers using the Real-Time Payments (RTP) network.<p>To verify US account control today you have two options:<p>- Use a platform like Plaid or Finicity, where an account holder provides their bank login details and the platform ~synchronously scrapes the bank’s website.<p>- Send the account holder micro-deposits (typically via ACH, which takes a day or two) and have them confirm the amounts.<p>There are additionally concepts like submitting an image of a voided check or using confirmation notes.<p>We should have a service that validates US bank account details using RTP. It can be synchronous and it wouldn’t involve providing a username and password.<p>This maybe hasn’t happened already because RTP is a relatively new network (but covers ~61% of US depository accounts[0]) and hasn’t had great APIs. We’ve recently built an integration, so we can help with the API piece.<p>If you’re interested, I’d love to chat! I’m at darragh@increase.com.<p>Alternatively, we keep a waitlist here: https://increase.com/<p>(Known bug that we don’t have open sign-ups; we’re furiously working on it.)<p>0. https://www.theclearinghouse.org/payment-systems/rtp/institution