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Overview

Bank Integration allows verifiers to confirm a user’s income by analyzing deposit history from their bank accounts. Instead of relying solely on payroll data, this method connects directly to a user’s bank to identify income deposits, detect pay frequency, and calculate average earnings over configurable time periods.

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How It Works

  1. User opens Bridge — The user launches the Bridge widget and selects their bank from the list of supported institutions.
  2. User authenticates — The user enters their banking credentials to authorize access.
  3. Transaction data is pulled — Transcrypts retrieves transaction history from the connected bank account.
  4. Income deposits are identified — The system analyzes transactions to isolate income-related deposits and categorize them by source.
  5. Bank Income Report is generated — A structured report is produced containing deposit patterns, frequency analysis, and income summaries.
Bank Integration is particularly useful when payroll provider access is unavailable or when additional income verification is needed alongside payroll data.

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Available Data

Bank Integration provides the following data through the Bank Income Report:

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Account Information

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Income Analysis

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Income Summaries

You can request transaction data for configurable time periods. Common configurations include 30, 60, and 90 day windows.

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Fraud Detection

The Bank Income Report includes an is_suspicious flag that indicates whether potentially fraudulent activity was detected in the income data.

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Endpoints

Two primary operations support Bank Income Reports:
  1. Create a Bank Income Report — Initiate report generation for a connected bank account.
  2. Retrieve a Bank Income Report — Fetch the completed report with all income analysis data.