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< Bank Transfers & Linking
Help Center > Bank Transfers & Linking

Link Your Bank Account

Before you begin

We recommend linking a checking account rather than a savings account to avoid potential transfer reversals.

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Major Banks

Major Banks

If you do business with a major bank like Bank of America or Wells Fargo, it’s easy to link your bank account* in the app.

App

To link a major bank in your iOS or Android app:

  1. Tap the Account icon in the bottom right corner.
  2. Tap Transfers.
  3. Tap Linked Accounts.
  4. Tap Add New Account.
  5. Choose your bank from the list of major banks, or use the search bar to search for your bank.
  6. Enter your online banking username and password.
  7. Choose which account you'd like to link.
Web

To link a major bank in your web app:

  1. Click Account in the upper right corner of the screen.
  2. Click Banking.
  3. Click Add New Account under Linked Accounts.
  4. Choose your bank from the list of major banks, or use the search bar to search for your bank.
  5. Enter your online banking username and password.
  6. Choose which account you'd like to link.

If you receive the error message “Error: Please disable the added/extra security placed on the account,” you’ll need to either disable the two-factor verification setting on your bank account, or contact your bank to make sure there isn’t a problem with your online banking profile.

*You can fund your account with an individual or joint bank account. We can’t allow funding from trust or business accounts at this time. Please make sure you link the correct account type to avoid restrictions on your Robinhood account. For security purposes, we limit the number of bank accounts we can link to a single Robinhood account. We also limit the number of Robinhood accounts that a bank account can be linked to.

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Smaller Banks

Smaller Banks

If you don’t see your bank or credit union listed, you’ll need to verify your account manually.

App

To link a non-listed bank or credit union in your iOS or Android app:

  1. Tap the Account icon in the bottom right corner.
  2. Tap Transfers.
  3. Tap Linked Accounts.
  4. Tap Add New Account.
  5. Scroll down and tap More Banks.
  6. Type in your bank.
  7. If you don't see it, tap I don't see my bank.
  8. Select checking or savings.
  9. Enter your routing and account number.
Web

To link a non-listed bank or credit union in your web app:

  1. Click Account in the upper right corner of the screen.
  2. Click Banking.
  3. Click Add New Account under Linked Accounts.
  4. Search for your bank.
  5. Click I don’t see my bank.
  6. Enter your account information.

Once you’ve submitted your information, we’ll initiate two microdeposits to your bank account. Please allow up to 48 hours for the transfers to appear in your bank account.

Once the two small transfers have landed in your bank account, verify them in your mobile app:

  1. Tap the Account icon in the bottom right corner.
  2. Tap Transfers.
  3. Tap Linked Accounts.
  4. Tap Verify.
  5. Enter the two deposit amounts.
  6. Tap Enter.
Note

These two small transfers are for the sole purpose of verifying your bank account and will be withdrawn when they expire.

We encourage you to take extra care to enter this information accurately, and to include any leading or trailing zeroes in both account and routing numbers.

Please also make sure to select Savings or Checking (located at the top of the Link Account screen).

Tip
  • Savings and money market accounts are subject to regulations that limit your allotted number of transactions per month, and they don’t always offer ACH transactions.
  • If you're unsure of your bank account status, please check with your bank representative to be sure your account supports ACH transfers.
  • Unfortunately, we can’t accept debit cards that function as checking accounts. You’ll know it’s a valid checking account if it provides monthly statements addressed to you, the account holder.
  • Please make sure you have sufficient funds in your account to prevent a bank overdraft fee. We won’t be able to cover overdraft fees if the micro deposits cause them.
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Micro Deposit Errors

Micro Deposit Errors

Linking your bank account manually can be a tricky process, and you may encounter one of these errors:

  • If you only see one microdeposit in your bank account, your bank is merging the two deposits together. Contact your bank or credit union to get the original amounts in chronological order.
  • If you don’t see the two small transfers after three days, verify that your account and routing numbers are correct. If your information is correct, your bank may be denying access to your bank account. Call your bank to authorize ACH transfers.

Please don’t initiate multiple microdeposit verifications within a short period of time. This could make it difficult to determine which deposits to verify.

Reference No. 20190809-923820-2785844
Still have questions? Contact Robinhood Support