Question 1

What is IncomeChecker.com?

Accepted Answer

IncomeChecker.com is a secure platform that allows organizations to verify income by connecting directly to bank accounts. We provide detailed income reports based on real bank transaction data, making the verification process faster and more reliable than traditional methods like pay stubs or employer calls.

Question 2

How does the verification process work?

Accepted Answer

The process is simple: (1) Create a verification request through your dashboard, (2) Share the verification link with the individual being verified, (3) They securely connect their bank account via Plaid, (4) We analyze their transaction history to calculate income, and (5) You receive a comprehensive income report. The entire process typically takes just a few minutes.

Question 3

Is my bank supported?

Accepted Answer

We support connections to over 7,000 U.S. banks and credit unions. If your bank isn't listed, contact us and we can help you connect.

Question 4

Is my bank account information secure?

Accepted Answer

Yes, security is our top priority. We use bank-level encryption (AES-256 at rest, TLS 1.3 in transit) and work with Plaid, a secure financial data provider. Your bank login credentials are never stored, and bank connections are immediately disconnected after data retrieval. All access tokens are deleted after use.

Question 5

What data do you collect?

Accepted Answer

We only collect the minimum data necessary for income verification. This includes transaction history, account balances, and account type information. We never store full account numbers (only last 4 digits), bank login credentials, or access tokens. All data collection requires explicit consent from the individual being verified.

Question 6

Who can see my financial information?

Accepted Answer

Only the requesting party who created the verification request can view your income report. We never share your financial data with third parties, and you can revoke access at any time through your bank account settings.

Question 7

Can I delete my data?

Accepted Answer

Yes. Individuals can request data deletion through their verification link, and requesters can delete verification requests from their dashboard. We comply with GDPR and CCPA requirements for data deletion.

Question 8

What information is included in the income report?

Accepted Answer

Our income reports include: monthly income estimates calculated from deposits, recurring payroll deposit patterns, deposit sources and transaction descriptions, current bank balances, transaction history (up to 12 months depending on your bank support), account types, and transaction categorization.

Question 9

How accurate are the income calculations?

Accepted Answer

Our income calculations are based on actual bank transaction data. We use sophisticated pattern detection to identify payroll deposits and distinguish them from other types of income (P2P transfers, refunds, etc.). The system provides confidence scores to help you understand the reliability of income estimates.

Question 10

Can I send verification requests to multiple individuals?

Accepted Answer

Yes. You can create unlimited verification requests on all paid plans. Starter plans include 10 verifications per month, and Pro plans include 50 verifications per month. Additional verifications beyond your plan limit are $14.99 each.

Question 11

How long do verification reports stay available?

Accepted Answer

Verification reports are stored for 1 year on paid plans. You can access them anytime from your dashboard during this period. After 1 year, reports are automatically deleted for data privacy compliance.

Question 12

Do I need to create an account?

Accepted Answer

No, you don't need to create an account. You can complete the verification process using just the unique link provided by the requesting party.

Question 13

What if I don't want to share my bank account?

Accepted Answer

Bank account connection is voluntary. However, without bank data, we cannot generate an income verification report. If you prefer not to connect your account, you may need to provide alternative documentation to the requesting party, such as pay stubs or tax returns.

Question 14

How long does the verification take?

Accepted Answer

The verification process typically takes 2-5 minutes. This includes connecting your bank account, selecting which accounts to share, and waiting for the data analysis to complete.

Question 15

Can I revoke access after verification?

Accepted Answer

Yes, bank connections are automatically disconnected immediately after data retrieval. If you want to ensure access is revoked, you can also do so directly through your bank account settings. We don't maintain ongoing access to your accounts.

Question 16

Will this affect my credit score?

Accepted Answer

No. Income verification does not involve any credit checks or impact your credit score. We only access transaction history and balance information, which does not affect your credit rating.

Question 17

How much does IncomeChecker.com cost?

Accepted Answer

We offer flexible pricing options: Pay-as-you-go at $14.99 per verification, Starter plan at $59/month (includes 10 verifications), and Pro plan at $129/month (includes 50 verifications).

Question 18

What payment methods do you accept?

Accepted Answer

We accept all major credit cards and process payments securely through Stripe. Plans are billed monthly, and one-time payments are charged immediately upon verification completion.

Question 19

Can I cancel my subscription anytime?

Accepted Answer

Yes, you can cancel your subscription at any time. You'll continue to have access to your plan benefits until the end of your current billing period. No cancellation fees apply.

Question 20

Do you offer refunds?

Accepted Answer

We offer refunds for unused verifications within 30 days of purchase. If you're not satisfied with the service, please contact our support team to discuss refund options.

Question 21

What should I do if my bank connection fails?

Accepted Answer

If you experience connection issues, try the following: (1) Ensure your bank is supported, (2) Clear your browser cache and cookies, (3) Try using a different browser or device, (4) Contact your bank to ensure there are no restrictions on third-party access. If problems persist, contact our support team.

Question 22

The verification link expired. What do I do?

Accepted Answer

Verification links expire after a set period for security reasons. Contact the requesting party to request a new verification link. They can easily generate a new one from their dashboard.

Question 23

Can I use IncomeChecker.com on mobile devices?

Accepted Answer

Yes, IncomeChecker.com works on all modern mobile devices. The bank connection process and dashboard are fully responsive and optimized for mobile browsers.

Question 24

Who can I contact for help?

Accepted Answer

You can reach our support team via email at info@incomechecker.com. We typically respond within 24 hours during business days. For urgent matters, paid plan subscribers receive priority support.

IncomeChecker.com FAQs

Getting Started

Security & Privacy

For Requesters

For Applicants

Pricing & Plans

Technical Support