An Income Verification check provides information about an applicant’s financial status through their online banking profile. It accesses account details, transactional insights, and other income information securely, helping to assess whether tenants can meet rent payments.
Note: Income Verification is only accessible for Groups with a Property Management (PM) permissible purpose.
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Order this check
To order an Income Verification check from CertnCentric you must have the applicant’s email address.
For more information on ordering checks through CertnCentric, see the Order checks Certn Help article.
Turnaround time
On average, Certn’s Income Verification checks are complete within 5 minutes of Certn receiving the completed application.
Stages of this check
Income Verification checks ordered through CertnCentric go through the following stages:
1. Order
You place an order that includes an Adverse Media check.
2. Application
The applicant receives an email invitation to complete the case that includes an Adverse Media check.
3. Connect
The applicant submits their banking login details and waits 2-3 minutes to connect their bank account to Certn.
4. Processing
Certn processes the check using the information supplied by the applicant.
5. Results
The check's results become available to you in CertnCentric and to the applicant in the applicant portal.
Applicant's experience
When you order an Income Verification check, the applicant receives an email inviting them to complete an application. Through the application process, the applicant will provide Certn with:
- their legal name,
- their address history,
- consent to use the information provided,
- temporary access to their bank account via username and password.
Note: Applicants may be requested to complete additional authentication steps as a security precaution from their banking institution. This could include a multi-factor authentication check via SMS or Authenticator app.
Connecting banking information
Note: Applicants are given the option to skip the income verification and provide an explanation. Income verification checks will not be charged if skipped in this way. If the Applicant is experiencing difficulty submitting their banking information and wishes to complete the check in some other way they should select skip this step.
Connecting bank details takes several minutes.
Certn’s income verification window will timeout after 5 minutes without a successful connection.
Ensure your device is connected to an internet source. Applicants should not navigate away from the screen or refresh their browser while banking details are being connected.
Next steps
After you've placed your order and we've received the required details from the applicant, the check begins processing.
You can view case and check results in CertnCentric. Learn more in our Manage your cases Certn Help article.
To learn more about this check’s results and what happens if the applicant can’t complete the check, see our Income Verification results Certn Help article.