How does Earnnest help alleviate the concern of bounced checks and insufficient funds?

Earnnest uses Plaid to verify and link with over 13,000 banks nationwide.  We never store or see the buyer's banking information. We verify the buyer's identity and confirm that they have sufficient funds to make the payment—protecting you and your buyer. 

To add ease and efficiency to our homebuyer experience, we run a preliminary check for sufficient funds in the buyer's account of choice. When our system detects that the account does not have sufficient funds, we will prompt the buyer to add an alternate payment account. This new feature helps eliminate the headache of bounced checks and the inconvenience of insufficient funds.