What is the most effective way to find someone's bank account information?

The most effective way to find someone's bank account information is through obtaining a subpoena and serving banks. This legal process allows a private investigator to compel a financial institution to provide specific records or information about a person's banking details. Since bank account information is considered sensitive and private, financial institutions are required to comply with legal subpoenas as a matter of law.

In contrast, pre-texting may involve deceptive practices to obtain personal information but can be legally and ethically questionable, potentially leading to significant repercussions if discovered. Online banking searches are generally not possible without access credentials, which cannot be obtained legitimately. Public records requests typically do not cover confidential financial information, as such data is protected to safeguard individuals' privacy. Thus, using a subpoena is the most legitimate and effective means to acquire bank account information legally.