We offer borrowers an interest rate discount on residential loans for EFT/autopay, but in order to do so, we require they provide us a voided check to verify the account information and the name on the check/account. If the borrower indicates that they wish to have EFT, they will receive a discount, but we want to be able to obtain the voided check earlier in the process to finalize the rate instead of obtaining at closing. Are we able to condition for the voided check prior to final approval, in order to receive the rate discount or is that in violation of regulations?