Re: How are you stealth if you connect your real bank account?
A Bank cannot from my full understanding "reveal your information" because some states limit this because of concerning information could break privacy laws - it can however - fax their financial center an affidavit (sworn statement signed in front of a notary public) setting out that such person owned a bank account in question is the full owner of such bank account. At which point, the Bank may reply 'yes' or 'No'.
Usually, lending companies use this form in case the owner cannot provide a voided check, when verification of account ownership or ownership of POD assets, when reporting a death certificate of a person's bank account. The bank may request additional documents so the process is dragged for days.
So companies like PayPal resort by using solution providers with Banking Wizard solutions to link customers to their bank account details.
but even so, this is merely a scoring system and data held from previous searches thus many financial services avoid such system to validate account ownership.
One way Banks know your name is when a compliance officer looks at your account and debit or credits name on the ACH tickets do not match, therefore such account is being used for the benefit and by an unidentified and unknown 3rd party and often is a concern to the bank. When you refund on PayPal or debit (e-check) someone, PayPal could see the name and error code of the person's name involved with such bank account (not failed transfers), but if PayPal has reasons it could ping a bank account, if involved in fraudulent transactions ( or you are wanted via CIP, OFAC..) their front-end software may help identify name differences and match you.
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