Early Warning

WHEN MONEY MOVES, LIFE HAPPENS®
We can transform lives by innovating everyday financial experiences – together
We provide innovation that transforms financial experiences – innovation that transforms lives. More than 2,500 companies rely on our intelligence to open new accounts, authenticate mobile logins, reduce fraud risk, and make faster payments. As the trusted custodian of bank-contributed data, we offer a full suite of solutions that gets money moving. Open new accounts. Login in less time. Send and receive payments.

For almost three decades, bank-owned Early Warning has provided network intelligence that helps ?nancial institutions get money moving.

From opening your ?rst checking account on graduation day to applying for a mortgage for your dream house, our intelligence is used to inform money moments – big and small – every day.

1990s Deposit Risk Management
Banks develop model to share data to mitigate deposit losses, and form an independent company to steward this data on behalf of the banking industry.
Launched our first check deposit and check payment validation products.
2001-2005 New Account Opening
Added a new account fraud detection service and fraud data sharing.
2006-2009 Identity Risk Management
Introduced the Early Warning brand and became wholly bank-owned.
Added identity risk solutions and real-time check deposit and account opening services.
2010-2012 More Fraud Protection
Provided high-risk transaction alerts to ID theft agencies among others.
Introduced asset verification services.
2013-2014 Mobile Solutions
Enhanced mobile suite with nearly a dozen new releases.
2015-2018 Authentication & P2P Payments
Offered layered multi-factor authentication via a single integrated platform.
Introduced Zelle Network® – the ?rst real-time payments service.