Clients can verify their bank account with Stripe in either of two ways:
Instant verification via bank login (most common, easy)
Micro-deposit verification (manual)
Instant Verification:
Use when the customer is adding a bank account for the first time and their bank supports instant login-based verification.
Steps:
Log in to the Stripe Dashboard.
Go to Settings > Bank accounts and scheduling (or Balance > Payout settings, depending on account type).
Click Add bank account.
Select the option to connect your bank account (this uses a secure third-party service, e.g. Plaid).
Choose your bank from the list and log in with your online banking username and password when prompted.
Approve the connection request in your banking portal.
Confirm the account details Stripe displays (bank name, last 4 digits of account number).
Click Save. The account status should immediately show as Verified.
If the customer's bank isn't listed or login fails: proceed to the second method.
Micro-Deposit Verification:
Use when instant verification isn't available and the customer must manually enter account and routing numbers.
Steps:
In the Stripe Dashboard, go to Settings > Bank accounts and scheduling.
Click Add bank account.
Select Enter bank details manually.
Enter the following:
Account holder name
Routing number
Account number (entered twice to confirm)
Account type (checking or savings)
Click Save. The account status will show as Pending verification.
Advise the customer: Stripe will send two small deposits (a few cents each) to the account within 1–2 business days.
Once the deposits appear, the customer checks their bank statement or online banking for the two exact amounts.
The customer returns to the Dashboard, goes to the pending bank account, and clicks Verify account.
They enter the two deposit amounts in cents (e.g., 0.32 and 0.45) exactly as they appear.
Click Verify. The account status updates to Verified.