Payee checks for escrow offices
Check the payee
before you send the wire.
Enter a payee’s bank details. Veto Checks asks a bank data provider two things: is the account open, and does the name match.
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Payee check
Example. Made-up payee and bank with made-up data
- Payee
- Lucian Barrowclough
- Bank
- Harbor Light Credit Union
- Routing number
- 112233448
- Account number
- Ending in 8842
Account status
The provider reports this account is open at the time shown.
Name match
The name you entered does not match the name the bank holds for this account. The bank does not share the name it holds.
Watch one check in 35 seconds.
- The Veto Checks app opens. Title: Meet Veto Checks. Check the payee before you send the wire.
- Someone types a made-up payee, Daniel Ortiz, with a routing number and an account number, then runs the check.
- The result shows two findings. Account status: Open. Name match: Not matched.
- The Limits panel appears. One line is lit: A check does not approve or send a payment. Your office decides what to do next.
- Title: Record your follow-up. The office records that it called the payee on a number it already had.
- Title: Add it to your compliance file. The result prints as a two-page record.
- Closing title: Before every wire. Sign up at tryveto.com.
An open account is not enough.
An account can be open and still belong to someone else. So every check gives you two findings, side by side.
Made-up examples. Click, type and choose to try them.
Account status
Is the account open or closed? You see what the provider reported, and when.
The provider reports this account is open at the time shown.
Name match
Does the name you entered match the name the bank holds? The bank does not share the name. It only says if yours matches.
The name you entered does not match the name the bank holds.
Saved to your office
Each check is saved with who ran it and when. Find it later by payee, reference or last four digits.
Lucian Barrowclough+2 more
Ending in 8842 · Harbor Light Credit Union · LE-2028
Follow-ups stay with the check
Record what your office did next. Notes sit beside the findings and never change them.
Called the payee on a number we already had
Payee said the account is held in a married name. Asked for a bank letter.
Saved · Omar Castellane · Nov 9, 2026, 3:05 PM PST
Three steps. One record.
You run the check yourself, before the wire.
Enter the details
The payee’s name, bank, routing number and account number.
Run the check
Veto Checks asks a bank data provider and shows two findings: account status and name match.
Keep the result
It is saved to your office. Reopen it, print it or add a follow-up.
A check never approves a wire.
We say what a check found, and what it did not. Every saved check lists its limits.
A check tells you
If the account is open or closed. As the provider reported it, at the time shown.
If the name matches. Yes or no. The bank does not share the name it holds.
When it was asked and answered. Saved to your office with who ran it.
A check does not tell you
Who controls the account today. A check does not show control.
Who you spoke to. It does not show that the person who gave you the details is the payee.
What happens later. A check is a moment in time. It can change.
It does not approve a payment. Your office decides what to do next.
Questions
What is Veto Checks?
Veto Checks is a tool for escrow offices. You enter a payee’s bank details before you send a wire. It shows two findings: whether the account is open, and whether the name matches.
Who is Veto Checks for?
Escrow officers and their teams. Anyone in the office who checks payee bank details before sending money.
What do I need to run a check?
The payee’s name, their bank, the routing number and the account number.
Will the bank tell me the account owner’s name?
No. You enter the payee’s name. The check reports whether it matches. The bank does not share the name it holds.
Where do the findings come from?
Veto Checks asks a bank data provider. Each finding shows its source and the time it was asked and answered. It can change later.
Does a check approve a payment?
No. A check does not approve or send a payment. It does not show who controls the account today. Your office decides what to do next.
What happens to the account number?
It is encrypted on the server for your office. Saved results show only the last four digits.
How do I get started?
Sign up at tryveto.com/signup, or book a 15-minute walkthrough with Sebastian.
See a payee check.
Spend 15 minutes with Sebastian. See how a check works, understand its limits, and discuss access for your office.
Book a 15-minute walkthrough
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