Early Warning Services, LLC, helps power payments innovation across the United States banking sector –enabling financial access, advancing reliable and fast payments for America’s consumers and small businesses, and helping banks and credit unions protect the people and businesses they serve. For more than 35 years, Early Warning has worked with banks, credit unions, businesses, and government agencies to help drive prosperity, deliver bold innovation, and improve how payments are made.
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The Certos team is in action at #Payments2026, helping shape conversations around fraud and strengthen connections across the industry.
Day 2 at #Payments2026 is underway, and the energy keeps building. New connections and fresh perspectives are shaping the future of fraud prevention and payments. Visit us at Booth 402 and grab some Certos swag.
We’re excited to see Certos make its first external appearance at #Payments2026. Visit Booth #402 to learn more.
Fraud rarely stays within a single institution, yet most decisions are made with a partial view. Those blind spots are where risk hides. At #Payments2026, Certos by Early Warning will make its first appearance at an external event and host sessions that show how fraud moves across accounts, institutions, and channels and how stronger connections help close the gaps fraud exploits. Connect with us at Booth #402 to learn more. 👉https://lnkd.in/gM-xdEiD
Early Warning CEO Cameron Fowler shares his perspective in American Banker on the future of paper checks and the U.S. payments system. As he notes, “How we manage the elimination of paper checks will shape the speed, safety and resilience of the financial system for years to come.” Read his full perspective below.
I recently published an op-ed in American Banker on the future of paper checks and the path forward for the U.S. payments system. While checks remain widely used, they also introduce cost, friction, and increasing fraud risk at a time when modern digital payments now offer greater speed, security, and scalability. The priority now is a thoughtful transition that maintains access, supports critical use cases, and strengthens trust. The Federal Reserve’s recent review of its check services is an important opportunity to help guide this effort. Getting this right will reduce fraud and support a more efficient and prosperous financial system for consumers and businesses. Read the full op-ed below.
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Today, we’re introducing Certos. The new name for the Early Warning identity and payment risk solutions. Certos brings together trusted capabilities under a unified brand, built on decades of network-shared intelligence and relied on by more than 5,000 banks and credit unions of all sizes, payment companies, merchants, and government agencies. Together, these capabilities help banks and credit unions expand access in the financial sector and extend protection across payment and account-opening ecosystems, reinforcing financial resilience and economic security across the U.S. banking system. This is the next evolution of how we help protect against fraud and expand access to financial services. Follow along as we share more in the weeks ahead.
Heading to San Diego for #Payments2026? Let’s connect. Stop by Booth 402 where we’ll be sharing how connections across institutions can help surface risk patterns and strengthen decisions across identity, deposits, and payments.
The payments landscape continues to evolve, and the future of checks is a key part of that conversation. A recent article by Payments Dive highlights how industry leaders, including Early Warning, are engaging with the Federal Reserve on the path toward modernizing payments. While there’s broad agreement that paper checks should eventually be phased out, the focus is on doing so thoughtfully and inclusively. At Early Warning, we recognize that checks are still important for certain use cases and communities. That’s why we’ve emphasized a measured, data-driven transition, supported by clear benchmarks and flexibility to adjust as needed. As digital solutions like Zelle® continue to grow, we’ve already reached a pivotal moment. Ben Chance, General Manager of Identity and Payments Risk at Early Warning, shared, “We’ve already passed the inflection point where Zelle is growing and checks are declining.” The path forward isn’t one-size-fits-all. It’s about balancing progress with accessibility and building a payments ecosystem that works for everyone. Read more in the article below. #Payments #DigitalTransformation #Zelle #Innovation #FinancialServices
For more than 35 years, Early Warning has served as the digital backbone that connects, protects, and advances the everyday economy. As we reflected on who we are becoming, we put words to what has long shaped our work. Today, we are sharing our purpose, Powering Prosperity for All, and the values that guide how we bring it to life: Bold is Our Baseline. Trust is Our Capital. Together is Our Advantage. At Early Warning, we do not define prosperity by accumulation alone. We focus on connection, access, and forward motion. When money moves with trust, people can pay rent, support loved ones, run businesses, and plan for what is next. Bold is Our Baseline shapes how we advance the everyday economy through thoughtful innovation. Trust is Our Capital drives how we help protect the financial system. Together is Our Advantage guides how we connect people, financial institutions, and the moments that matter. This is how we help turn complexity into confidence and trust into progress people can feel in their everyday lives. #Purpose #Leadership #Culture
We’re proud to support Women in Payments as a Champion Sponsor of the 2026 Women in Payments USA Symposium. Early Warning is committed to advancing leadership, strengthening collaboration, and fostering meaningful dialogue across the payments ecosystem. Through this partnership, we support the organization’s mission to elevate women and drive progress through shared insight and experience. #WomenInPayments #WIPUSA2026 #PaymentsLeadership #WomenInFintech
$1.2 trillion moved in 2025 is a powerful signal of trust, reliability, and scale. Proud to support the payments infrastructure behind everyday transactions for consumers and small businesses.
In 2025, consumers and small businesses sent more than $1.2 trillion using Zelle, marking our second consecutive trillion-dollar year and 20% year-over-year growth. An average of $3.4 billion moved every day. From rent and childcare to contractors and small businesses managing cash flow, Zelle continues to power the everyday payments that keep the U.S. economy moving. 👉 Learn more: https://bloom.bg/403XiOl
Strengthening the ACH ecosystem takes collaboration. We are proud to continue our work supporting a stronger, more efficient ACH Network alongside Nacha and other industry leaders.
Early Warning® has been a Nacha Preferred Partner since 2020. To learn more about Nacha’s Preferred Partners or how Early Warning helps advance the ACH Network, visit https://lnkd.in/e-ASaCfD or earlywarning.com.