Cfform/cfinput validation creditcard/debtorcard/check

<cfform> and its <cfinput type="text" validate="creditcard">
It seems it validates both credit card and debtor card. Is there a way to differentiate them?
That is, to invalidate debtor card or vice versa?

Then, is there a way to validate a checking account ( US banks ) ?


You have to either ask on the site or use something like or

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Yeah, has been suggested to me as well from another source.
My internet search for open source check account verification ( us banks ) has not been fruitful yet.
I appreciate the note.