> For the complete documentation index, see [llms.txt](https://knowledge.rollcredits.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://knowledge.rollcredits.io/company/bank-account.md).

# Link your company bank account

Link, verify and remove the bank account your company's invoice and payroll payments are sent from, and add the signature that authorizes them.

The Bank Account page holds the bank account your company's invoice and payroll payments are sent from. Open it from **Company > Bank Account** in the sidebar, which shows it to Owners and Super Admins.

{% embed url="<https://vimeo.com/870280455/eef8387861>" %}

Funding for a card program isn't set up here. On the standard setup, the note **Trying to set up funding for your card program instead?** at the top of the page links to the Cards page. See [Set up your card program](/cards/cards/set-up-card-program.md).

{% hint style="info" %}
The page works one of two ways, depending on how RollCredits set up payments for your company. On the standard setup, our payments partner Checkbook sends your payments, and the page shows a **Link Account** box (your account's details once one is linked) and a **Signature** box. If your company's payments run through RollCredits' card provider instead, the page shows a **Card Program Type** form or the card provider's own bank screens. The last two sections of this page cover that setup.
{% endhint %}

## Before you link an account

On the standard setup, save your company's tax info on **Company > Details** first. Until it's saved, you can't link an account or save a signature here. See [Edit your company details](/company/details.md).

## Link an account instantly

{% hint style="info" %}
If your company has instant bank linking, **Link Account** opens the Plaid option first. Otherwise it goes straight to the microdeposit form in the next section.
{% endhint %}

1. In the **Link Account** box, select **Link Account**. The **Link Bank Account** window opens.
2. Select **Link Bank Account**. Plaid opens.
3. Follow the steps in Plaid to choose your bank, sign in and pick the account.

When it's done, you see **Successfully linked your bank account**, and the account's details replace the **Link Account** box. An account linked through Plaid is verified right away, so you don't wait for microdeposits. You can link a checking, savings or other deposit account, but not a credit card, loan or investment account.

If Plaid can't connect to your bank, select **Instant verification not working? Link with microdeposits** in the **Link Bank Account** window and follow the next section.

## Link an account with microdeposits

1. In the **Link Account** box, select **Link Account**.
2. If the window offers Plaid, select **Instant verification not working? Link with microdeposits**.
3. Choose the **Account Type**: **Business Account**, **Personal Checking** or **Personal Savings**.
4. Enter the **Routing Number** (9 digits) and the **Account Number** (4 to 17 digits). To see where they are on a check, select **Where do I find this information?**
5. Select **Next**.
6. Read the authorization. It lets Checkbook make two small deposits and one offsetting debit to your account, with no net change to your balance.
7. Select **Confirm**.

You see **Successfully linked your bank account**, and the account box shows **Needs Verification** until you verify it. The two deposits usually arrive in 1-2 business days, but can take up to 3. If you see **There was an error linking your bank account**, check the numbers and start again.

## Verify the account

Once both deposits show up in your bank account:

1. In the account box, select **Verify**. The **Verify Bank Account** window opens.
2. Enter the amount of each deposit in **1st Deposit Amount** and **2nd Deposit Amount**. Each one is less than $1.
3. Select **Confirm**.

If the amounts match, you see **Successfully verified your bank account**, the box shows **Verification Complete** and **Verify** goes away. If they don't match, you see **Failed to verify your bank account. Please double check the values entered**. Check the amounts on your bank statement and try again.

The account box shows the **Account Type** and the last four digits of the **Routing Number** and **Account Number**, so you can check which account is linked.

## Add or update your signature

Your signature authorizes the payments sent from the account. You need one to send a payment of $2,000 or more, and before the account can be used for payroll.

1. In the **Signature** box, select **Add**, or **Update** if a signature is already on file. The **Banking Signature** window opens.
2. Draw your signature in the box with your mouse or trackpad. To start over, select **Clear Signature**.
3. Select **Save Signature**.

You see **Banking signature saved successfully**, and the box shows your signature. A new signature replaces the one on file. If you see **Failed to save banking signature**, it wasn't saved, even though the box shows it. Select **Update** and save it again.

## Remove the account

1. In the account box, select **Remove**.
2. In **Remove Bank Account**, select **Confirm**.

{% hint style="danger" %}
Removing the account can't be undone. Invoice payments, and payroll paid from this account, can't go out until you link and verify another account.
{% endhint %}

After you remove it, the **Link Account** box comes back so you can link another account. Your signature stays on file.

## What the Action Required banner means

When an account is linked but can't be used for payroll yet, a **Bank Account - Action Required** banner at the top of the page says **Your company's linked bank account cannot be used for payroll yet.** It then names the step that's left:

| The banner says                                                   | What to do                                                                                                                                |
| ----------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| The account still needs to be verified with the two microdeposits | Verify the account, as described above. The deposits usually arrive 1-2 business days after you link.                                     |
| The signature used to authorize payments hasn't been uploaded     | Add your signature, as described above. It applies right away.                                                                            |
| The account is under compliance review                            | Nothing. Our bank partner usually finishes the review within 1-2 business days. You can't send payments from the account until it's done. |
| RollCredits couldn't confirm your bank account status             | Payroll stays blocked until it can. Try again in a few minutes, and contact RollCredits support if it keeps happening.                    |

The steps go in this order: link, verify, signature, compliance review. The banner names only the first one that's left, and it goes away when the account is ready.

If your company's payments run through the card provider, there's no signature or compliance step, so the only step the banner can name is verifying the account. There's no **Verify** button on that setup: manage the account in the card provider's bank connections panel, described below.

{% hint style="info" %}
If your company pays payroll from a payroll deposit balance, this banner doesn't appear. See [Add funds to payroll deposits](/payroll/setup/payroll-deposits.md).
{% endhint %}

## Open this page from the Setup guide

{% hint style="info" %}
If your company uses the Setup guide, its bank steps bring you here.
{% endhint %}

On the Setup guide, **Link a bank account** opens this page. On the standard setup, **Verify the account** opens it with the **Verify Bank Account** window already open, and **Upload a signature** scrolls down to the **Signature** box. See [Finish setting up your company](/company/setup-guide.md).

## Set up an account with the card provider

If your company's payments run through the card provider and there's no account with it yet, the page shows the **Card Program Type** form. It's the same form the Cards page shows, so you submit it on either page, not both. For what each type means, see [Set up your card program](/cards/cards/set-up-card-program.md).

1. In **Card Program Type**, choose **Pre-Funded**, **Credit** or **No Cards**. **Pre-Funded** is selected to start. Choose **No Cards** if you only send payments in RollCredits, without P-Cards.
2. Select **Submit**.

You see **Successfully created card account**. The card provider's application then opens in the page. Follow its steps to finish your application and link your bank account. When you're done, you see **Onboarding complete**. Until a bank account is linked, the application opens again each time you come back to this page.

## Manage bank connections with the card provider

Once a bank account is linked, the page shows the card provider's bank connections panel. Use it to manage your linked bank accounts, following the steps in the panel.

If your account with the card provider is closed, the page shows **Account Closed**. The account can't be used for payments or P-Cards anymore. If you think that's a mistake, contact the support address the message shows, <help@rollcredits.io>.


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