When you add a bank account to Bill Pay, you need to verify the bank account before completing payment transactions. You can verify your bank account in two ways:
- Verification using micro-deposits
- Instant verification using your bank login details
This guide focuses on the micro-deposit verification process and includes the following:
1- Adding your bank account details
2- Verifying your bank account once you receive the micro-deposit
How micro-deposits work
Micro-deposits are small amounts of money ($0.01) deposited into your bank account to verify that you own the bank account. Bill Pay partners with Plaid, which connects to more than 100 banks across the U.S. When you choose to verify by micro-deposit:
- Plaid sends small deposits to your bank account
- Micro deposits are made on the same day.
- You'll need to verify the exact amounts deposited to complete the verification process
Important Notes About Verification
- You can only verify up to 2 bank accounts at once. Please wait until those bank accounts are verified before connecting additional bank accounts.
- There is a limit to how many incorrect verification attempts you can make. After reaching this limit, your bank account will be blocked and unable to be connected. If verification fails, see our troubleshooting guide here.
- Verification by micro-deposit is a one-time process for each bank account.
- You can schedule future payments with an unverified bank account, but funds will not be collected or transferred until the bank account is verified. Bank account verification is required to complete any payment transaction.
Adding your bank account details when making a payment
1- Create a bill or select a saved bill to pay.
2- Choose Bank Account when asked how you want to pay.
If you already have a bank account added but wish to add another, select +Add another bank account.
3- Select Continue to allow Plaid to connect to your bank account.
4- You can then enter your phone number to log in or sign up with Plaid.
5- Select Manual when asked how you’ll link your bank account. Select Continue.
6- Next, enter your Routing number. Select Continue.
7- Enter your bank account number and confirm it by re-entering it. Select Continue.
8- Enter your full name. Make sure it matches the name on the bank account. Select Continue.
9- Authorize Plaid to deposit a small amount of money into your bank account. Select Authorize.
10- You’ll receive the micro-deposit in one business day and can then verify your bank account. Select Continue.
11- Your new bank account is now pending verification. You can complete your payment as usual, but it will only be processed after the bank account you added is successfully verified. To return to the Dashboard, select Got it.
Adding your bank account details in the settings
1- In your Bill Pay account, select the Settings icon (⚙️) in the top right corner of the screen.
2- Once in the Settings menu, find and select Payment Methods from the settings sidebar menu.
3- In the main content area on the right, select +Add another bank account or Add method.
4- Select Continue to allow Plaid to connect to your Bill Pay account.
5- You can then enter your phone number to log in or sign up with Plaid. Alternatively, you can continue as a guest.
6- Select Manual when asked how you’ll link your bank account. Select Continue.
7- Next, enter your Routing number. Select Continue.
8- Enter your bank account number and confirm it by re-entering it. Select Continue.
9- Enter your full name. Make sure it matches the name on the bank account. Select Continue.
10- Authorize Plaid to deposit a small amount of money into your bank account. Select Authorize.
10- You’ll receive the micro-deposit in one business day and can then verify your bank account. Select Continue.
11- Your new bank account is now pending verification. You can complete your payment as usual, but it will only be processed after the bank account you added is successfully verified. To return to the Dashboard, select Got it.
Verifying your bank account once you receive the micro-deposit
You’ll receive the micro-deposit on the same day and can then verify your bank account.
Here are the options for verifying your bank account:
- Verification via text message
- Verification via Email
- Verification via the Settings
- Verification in the Payment Tab
Verification via text message
Plaid will send a text message to the mobile phone number you added. The message includes a link where you can enter the 3-letter code attached to the micro-deposit amount.
To verify the bank account:
1- Select the link in the text message.
2- Follow the instructions to find the code.
3- Enter the 3-letter code and select Continue.
4- You’ve successfully verified your bank account. Select Continue.
5- Your bank account is now linked.
That’s it! Your bank account is successfully connected to your Bill Pay account. You can use it to pay your vendors.
Is your account synced with an accounting software?
If your Bill Pay account is synced with an accounting software, you’ll be asked to select the matching account in your accounting software.
- Select the matching account from the drop-down menu.
- Select Link accounts to continue.
💡 To learn more about syncing with accounting software, please see the following section in our help center.
Verification via Email
Once you receive the micro-deposit, you'll receive an email with a link to enter the 3-letter code attached to the micro-deposit amount.
To verify your bank account:
1- In the email, Select Verify bank account. This will lead you to the Settings page.
2- In the Settings page, find and select Payment Methods from the settings sidebar menu.
3- Your newly added bank account will appear in your list of available payment methods, marked as "Pending Verification." Select Verify account located next to this bank account to begin the verification process.
4- Next, enter the 3-letter code attached to the micro-deposit in your bank account.
5- Select Continue.
6- Your bank account is now linked.
That’s it! Your bank account is successfully connected to your Bill Pay account. You can use it to pay your vendors.
Is your account synced with an accounting software?
If your Bill Pay account is synced with an accounting software, you’ll be asked to select the matching account in your accounting software.
- Select the matching account from the drop-down menu.
- Select Link accounts to continue.
💡 To learn more about syncing with accounting software, please see the following section in our help center.
Verification via the Settings
Here’s how to verify your bank account from Settings:
1- In your Bill Pay account, select the Settings icon (⚙️) in the top right corner of the screen.
2- Once in the Settings menu, find and select Payment Methods from the settings sidebar menu.
3- Your newly added bank account will appear in your list of available payment methods, marked as "Pending Verification." Select Verify account located next to this bank account to begin the verification process.
4- Next, enter the 3-letter code attached to the micro-deposit in your bank account.
5- Select Continue.
6- Your bank account is now linked.
That’s it! Your bank account is successfully connected to your Bill Pay account. You can use it to pay your vendors.
Is your account synced with an accounting software?
If your Bill Pay account is synced with an accounting software, you’ll be asked to select the matching account in your accounting software.
- Select the matching account from the drop-down menu.
- Select Link accounts to continue.
💡 To learn more about syncing with accounting software, please see the following section in our help center.
Verification in the Payment Tab
If you added a new bank account when making a payment, Bill Pay will remind you that action is needed to complete the payment successfully.
You can verify your bank account from your scheduled payment by following these steps.
1- In the Bill Pay dashboard, select the Payments tab.
2- Find the payment that is pending verification.
3- Select View payment.
4- In the Payment and Bill details drawer, select Verify account.
5- Next, enter the 3-letter code attached to the micro-deposit in your bank account.
6- Select Continue.
7- Your account is now linked. You can now return to your Dashboard.
That’s it! Your bank account is successfully connected to your Bill Pay account. You can use it to pay your vendors.
Is your account synced with an accounting software?
If your Bill Pay account is synced with an accounting software, you’ll be asked to select the matching account in your accounting software.
- Select the matching account from the drop-down menu.
- Select Link accounts to continue.
💡 To learn more about syncing with accounting software, please see the following section in our help center.
Failed to verify your bank account?
There are a limited number of attempts to verify your bank account. If you failed to do so, here’s what to do.