Bank Setup & Management

Bank Account Verification Methods

DepositLink offers multiple ways to connect your bank account, so you can choose the method that works best for your bank and your timing needs.

Each method varies in speed and setup, but all are designed to quickly and reliably confirm account ownership before payments can be sent or received.

Instant Verification Using Banking Credentials (Plaid)

Log in using your online banking username and password.
Instantly verifies ownership and account details.
Best for quick setup and immediate payments.

Instant Verification Using Banking Information (GIACT)

Enter your bank routing and account number directly into GIACT’s secure form.
Instantly verifies your account using industry-standard authentication checks.
Best for banks that support instant verification but aren’t available through Plaid’s directory.

Manual Verification Micro-Deposits

DepositLink sends two small deposits (usually under .10¢) to your account.
You confirm the exact amounts in DepositLink to verify ownership.
Takes 1–2 business days to complete.
Ideal if your bank isn’t listed in the Instant Verification search.

Security Note: Whether you connect instantly or via micro-deposits, DepositLink never stores your online banking login credentials, account numbers, or routing details.

All verification steps are handled securely by our trusted partners (such as Plaid, Dwolla, and GIACT), ensuring your sensitive information never touches our servers.

Connecting Your Bank Account

Connect with Plaid: With Plaid, connecting your bank account is easy.

Step 1: Select your financial institution from a list.
Step 2: Enter your login and password.
Step 3: Plaid works behind the scenes to build a secure, ongoing connection between DepositLink and your bank.

Connect with GIACT: With GIACT, you can manually enter your banking details. This option is best if your financial institution is not available to connect with via Plaid.

If the GIACT option is not available, contact DepositLink Support for assistance.

Step 1: Enter your Information in the window that appears. Create a Password, and check the Terms of Service boxes.
Step 2: The next screen will allow you to enter both your Routing and Account numbers.
Step 3: The final step will allow you to review and confirm to begin verifying.

Please note: In the event that you are unable to connect your account with the two methods listed above, the third option presented will be Micro Deposits.

Connect with Micro-Deposits: DepositLink sends two small deposits (usually under .10¢) to your bank account. You will then need to confirm the exact amounts in DepositLink in the order in which they were received in order to verify ownership.

Verifying your bank with micro deposits can take 1–2 business days, which may impact funding timelines. If your deal is time‑sensitive, check with your agent before continuing.

Troubleshooting Bank Linking Issues

If you’re having trouble connecting your bank account, try these steps:

Check your login credentials: Make sure you can log in directly to your bank’s online portal.
Confirm ACH eligibility: Ensure your account can send and receive ACH transfers (some savings or investment accounts cannot).
Try manual verification: If instant verification fails or your bank isn’t listed, switch to the micro-deposit method.
Contact your bank: Ask if they support connections through Plaid or ACH transfers for third-party services.

If the bank account is removed, there is a 48-hour window to reconnect the same bank from when it was first added.

If you continue to experience issues, reach out to DepositLink Support with your bank name and account type so we can assist further.

Disconnecting Bank Accounts

To avoid payment issues, only remove a bank account after all transactions have fully completed.

Refunds require an active connected bank, so keep accounts linked if you anticipate additional transactions.

Disconnecting Personal Bank Accounts

Step 1: Click the icon in the upper right and then My Account.
Step 2: Click the Personal Bank Accounts tab on the left.
Step 3: Click the account you'd like to remove.
Step 4: Click the three-dot menu.
Step 5: Click Delete Account.
Step 6: Click Remove Bank Account to confirm the change.

Disconnecting Company Bank Accounts

Step 1: Click the Company tab on the left and then click View on the company you'd like to manage.
Step 2: Click the Business & Bank Accounts button.
Step 3: Locate the bank you'd like to remove and click the Trash icon on the right.
Step 4: Click OK to confirm the changes on the pop-up window that appears.

Supported Banks & Verification Methods

Still Need Help?

Email our team