Early Warning Services (EWS)
The bank-owned consumer reporting agency behind Zelle
What Early Warning Services (EWS) Tracks
- Bank account fraud
- Identity theft at financial institutions
- Suspicious account activity
- Check fraud and account misuse
- Shared fraud data among member banks
Who Uses Early Warning Services (EWS)?
Used primarily by the seven owner banks and other financial institutions that subscribe to the service. EWS also operates the Zelle peer-to-peer payment network.
How to Get Your Free Report
Request your free consumer report annually at earlywarning.com or by calling 800-745-1560.
How to Dispute Errors
Disputes can be filed at earlywarning.com. EWS must investigate within 30 days under the FCRA.
Under the Fair Credit Reporting Act (FCRA), consumer reporting agencies must investigate disputes within 30 days and correct or remove information they cannot verify.
Frequently Asked Questions
What is Early Warning Services?
Early Warning Services (EWS) is a consumer reporting agency owned by seven major US banks. It collects and shares data about bank account fraud and misuse among its member banks. EWS also operates the Zelle payment network.
Why was I denied a bank account because of EWS?
If a member bank has flagged your account for fraud or misuse, that information may have been shared through EWS with other member banks. You can request your free EWS consumer report to see what's reported about you.
Does EWS affect my credit score?
No. EWS is separate from the three major credit bureaus and does not affect your FICO credit score. It only affects your ability to open new bank accounts at member institutions.