# Account Opening
source: https://developer.mastercard.com/open-finance-us/documentation/usecases/ob-account-opening/index.md

Verify ownership, check account numbers, routing numbers and account balances to provide a better onboarding experience for your customers:
![Avatar](https://static.developer.mastercard.com/content/open-finance-us/uploads/ob-usecase-accountopen.png)

###### **Use Case**

### Account Opening

Launch Demo   

#### 14 Accounts {#14-accounts}

The average consumer maintains 14 financial accounts across different financial service providers.


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###### Aite-Novarica {#aite-novarica}

#### 93% {#93}

of consumers use technology to move money; bill payments (82%) and banking (80%) are leading use cases.


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###### Mastercard research {#mastercard-research}

#### 81% {#81}

of U.S consumers have connected financial accounts, and most of them are doing it to make P2P or bill payment transactions.

###### Mastercard research {#mastercard-research}

##### Account Opening Program for Mastercard Issuers {#content}

Issuers can opt into the Open Finance for Account Opening Program to secure and streamline the digital account opening process for Mastercard consumer and small business debit cards and general-purpose reloadable Mastercard consumer prepaid products. Participating Issuers will have access to Mastercard Open Finance's Account Owner Verification, Account Detail Verification and Account Balance Check solutions, providing confidence in who their customers are, reducing content abandonment and inactivity, and decreasing non-sufficient fund (NSF) returns.


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Under the program, these Open Finance services are provided as a free core benefit to Mastercard issuers when they are used to support digital account opening of an eligible Mastercard account.

Issuers who wish to participate in the Open Finance for Account Opening Program must sign an enrollment form. Download the form [here](https://w201.mastercardconnect.com/gcccic001/homememb/library/shared/Forms_Library/Forms/doc/0322.docx)

## How It Works {#how-it-works}

After a customer consents access to their accounts, leverage our APIs to verify account ownership, retrieve transaction data, check account details and balance. Use this data to enable a faster account set-up, onboarding and funding process for your customers.

Call the following APIs to ensure you have the required data to provide a secure and seamless account opening experience for your customers:

* Regardless of the API you want to call, you will first need to generate a URL to launch the [Mastercard Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md) application that allows your customers to link their accounts and provide you the permission to access their financial data through Mastercard Open Finance. The Data Connect application is the only way you can allow your customers to link their accounts and is mandatory for integrating with any Mastercard Open Finance APIs.

* [Webhooks](https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md) allow your app to receive notifications about Data Connect events and to listen for when reports have been generated.

* [Get Customer Account by ID](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md#account-full-details-afd-and-account-limited-aggregation-ala) to return basic information of a customer account.

* [Get Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md) to return the real account number and routing number details for an ACH or real-time (RTP) payment.

* [Get Account Owner Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md) to retrieve the names and addresses of the account owner from a financial institution.

* [Match Account Owner Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md#api---match-account-owner-details) to retrieve the names and addresses of the account owner from a financial institution with a matching confidence score.

* [Get Available Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md#get-available-balance) to retrieve the latest available and cleared account balances for a single customer account.

Note: If a project is enrolled in the core benefit program, the eligible products used to issue a Mastercard debit card will be provided for free. Once enrolled, please be sure to send the "Meta-Data" header field with a value of "program=OBAO" on all eligible requests in order to receive the billing discount. Enrollment prior to making the request is required for the data request to be completed successfully.   
This solution uses the following services:

#### Account Owner {#account-owner}

Instantly verify account ownership for better onboarding experience.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md)

#### ACH Details {#ach-details}

Get ACH (Automated Clearing House) details for account opening or payment initiation.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md)

#### Account Balance {#account-balance}

Provide available account balance information for your customers.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md)
Diagram usecase_account_opening Learn more about the consumer experience for this use case: [Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/account-opening-and-funding/index.md)   
Understand the ideal consumer experience for Account Opening

## Next Steps {#next-steps}

![Quick Start Guide](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_quickstart.png)

### Quick Start Guide {#quick-start-guide}

Get started with using Mastercard Open Finance APIs in less than 30 minutes.


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[Get Started →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
![API Reference](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_apireference.png)

### API Reference {#api-reference}

Find detailed explanation of all resources available through Mastercard Open Finance API.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)
![Postman](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_postman.png)

### Postman {#postman}

Run the Postman Collection to start using Open Finance API without the need to write any code.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md#4-run-the-postman-collection)