Thank you for your inquiry regarding Forte Validate+ checking bank account funds. The Forte Validate+ service consults the status reported by the bank to see if the customer account is valid and in good standing. The service is unable to determine if the bank account has funds in them or the amount of the funds. It will only check for the validity of the bank information and standing with the financial institution. If you have any questions regarding Forte Validate+, please contact our Customer Support team at 1-866-290-5400 Option 1.