For community banks & credit unions

Remote account opening, without the deepfake risk.

Give members and customers a fast, phone-based way to prove who they are — and give your BSA, fraud and lending teams the evidence behind every decision. Enterprise-grade identity verification, priced for community institutions.
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Jordan EllisVR-24871 · Identity verificationIn reviewApproved
Government ID · front
DRIVER LICENSEUSA
ELLIS, JORDAN MDLD1234 5678 9012DOB03/14/1988EXP03/14/2030CLASSC
SAMPLE
Live selfie
LIVE
Face match
98.6%
ID data consistentPass
Data extracted7 fields
Face match98.6%
LivenessPass
Anti-spoofingPass
Duplicate checkNo match
Risk level LowRejectApprove
9:41
Securely VerifySecure
Step 3 of 3 · Face check
Turn your head leftTurn your head rightLook straight ahead
Face inside the ovalGood, even lightNo glasses glare
Webhook deliveredverification.approved · 200 OK

The challenge

Smaller institutions are now a primary target

Fraudsters go where defenses are thinnest. Credit unions and regional and community banks reported some of the largest increases in fraud in 2025, and FinCEN has warned that criminals are using deepfakes and AI-generated documents to open accounts.
The threatHow Securely Verify responds
Deepfake applicantsAI-generated faces and replayed video used to pass a selfie check
Randomized active livenessRandom head-movement prompts in real time, plus anti-spoofing checks for screens, printouts and masks.
Forged and edited IDsConvincing fake licenses produced from online templates
Document checks and data extractionBoth sides captured live, editing-software and screen-photo signals, and name, date of birth, number and expiry read from the card and barcode.
Synthetic identities and bust-outsFabricated people who build credit, then disappear
A real person matched to a real IDThe live selfie must match the ID portrait — a data-only identity can’t produce a face.
Repeat applicantsThe same fraudster behind many applications
Duplicate detectionFaces and documents seen before are flagged across all of your verifications.
Sources: Alloy State of Fraud survey, via ICBA (2026) · FinCEN Alert FIN-2024-Alert004 · Deloitte Center for Financial Services (2024)

Use cases

One tool for every moment identity matters

Use it at account opening, then again whenever a request carries real risk.

Digital account and membership opening

Members and customers verify with a government ID and a live selfie from home — no branch visit, no emailed ID photos.

Consumer loans and HELOCs

Confirm the borrower is a real, present person before funding, and collect income documents and statements in the same link.

Business accounts and beneficial owners

Collect formation and tax documents and verify every owner of a small-business customer in one workflow.

Account recovery and high-risk changes

Ask for a fresh live check before resetting access or changing a phone number, email or mailing address.

Wire and large-withdrawal step-up

Send a quick re-verification when a request doesn’t look right, instead of relying on a voice that can now be cloned.

Underwriting and file documents

Request pay stubs, statements, leases or any other paperwork, organized and encrypted in one place.

Compliance support

Evidence your program can rely on

Every verification produces a complete, time-stamped record your BSA officer, auditors and examiners can follow.
  • Identifying details read from the ID, including the barcode on U.S. driver’s licenses
  • Live selfie matched to the ID portrait, with the score
  • Liveness, anti-spoofing and fraud-signal results with reasons
  • A time-stamped audit trail of every view, download and decision
  • A downloadable PDF report for the member or customer file
  • Two-factor sign-in, role-based staff access and retention controls
Securely Verify supports your Customer Identification Program; it does not replace your institution’s BSA/AML policies, risk assessment or regulatory obligations.

Built to fit how you work

  • No core integration required to start
  • Send links from the dashboard by email or text
  • Works alongside your existing account-opening process
  • REST API and signed webhooks when you’re ready to automate
  • Clear monthly pricing with no long-term contract

How it works

From application to decision in minutes

1

Send a secure link

Staff send a personal, expiring link from the dashboard — or your systems create one through the API.

2

The member verifies on their phone

ID photos, a selfie and a few random head movements, guided step by step. No app to install.

3

Your team decides with evidence

Review every image, score and signal on one page, then approve, reject or request a retry.

FAQ

Questions from banks and credit unions

No. Most institutions start by sending links from the Securely Verify dashboard alongside their current process. The REST API and webhooks are available when you want to connect your own systems.

Yes. Staff can send the link while the member is at the desk, and the member completes it on their own phone in a few minutes.

AML and watchlist screening is coming soon. Today Securely Verify handles identity verification, business verification and document collection, so keep your current OFAC screening process in place.

Securely Verify captures and documents the identity evidence a CIP typically relies on, but your institution decides how it fits your written program and risk assessment. We’re happy to walk your BSA officer through exactly what is collected and kept.

Images and personal data are encrypted in transit and at rest, every access is logged, staff sign in with two-factor authentication, and data is deleted automatically under your retention settings.

Protect your members from AI-driven fraud

Start a 7-day free trial with 20 verifications, or talk with our team about your onboarding flow.
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