This unique product confirms a customer’s bank account status before taking a debit or check. This product is included in the Basic DATATrue™ service, but can also be run ala carte at a significantly discounted rate on active customers without processing or paying for the additional data provided by the full inquiry. An example when to run the AOV separately is on a customer making a payment that a user had already processed the Basic DATATrue™ inquiry on. In that case, the user may only need to ensure that the bank account remains in good standing and hasn’t been closed or otherwise flagged to prevent the payment from processing. This is an instant report.