How do I add a bank account?

In order to receive money and pay online, you will want to add and verify your bank account in your Online Payments settings. Open the Bank Account tab.

 Click on the +Add bank account button:

You will be able to either use instant verification or provide bank account details for manual (micro-deposit) verification.

Please note! You can use instant verification once a day (the second attempt will be available in 24 hours) and twice a month. Other attempts will be supported only with the micro-deposit verification method.

Instant verification

You can instantly verify a customer's ACH Direct Debit banking information instead of using micro-deposits. Click on the "Agree and continue" button and select your bank.

The next window with the option to log in to your bank account will appear. You are welcome to click “Continue” and provide your login credentials to add your bank account right away.

Manual Verification

Connect your bank account using manual verification - providing a bank account and routing number. Make sure all information is accurate and valid. Click on the Save button.

Stripe attempts to send a microtransaction via Real-Time Payments (RTP). If successful, your bank account will be verified within minutes. If the RTP is not supported, Stripe automatically sends a single 0.01 USD deposit and in the description, it will have a 6-digit descriptor code starting with SM. Enter the descriptor code exactly how it appears in your account and click on the Verify button. (i.e. SM12BA). You will want to make sure the letters are capitalized.

The micro-deposit takes up to 2 business days to appear on your online statement. You will have 3 attempts to add and validate this information. If the maximum number of attempts to verify your customer’s bank account information has been met, contact Stripe Support for additional assistance..

Last updated:
May 12, 2025