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Verify a Bank Account With Micro-deposits #

If you choose the micro-deposit method of bank verification, Dwolla will transfer two deposits of less than $0.10 to your customer's linked bank or credit union account. After initiating micro-deposits, two random amounts will post to your customer’s bank account in 1-2 business days. Once your customer sees these deposits in their account, they need to verify the two amounts in your application. If subscribed to webhooks, your application will be notified throughout this process via micro-deposit related events.

Retrieve the funding source #

After your customer has added a bank account you'll want to retrieve the funding source to check if a initiate-micro-deposits link relation exists. A link to initiate-micro-deposits will return when an unverified bank funding source is eligible to receive micro-deposits.

Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY


  '_links': {
    'self': {
      'href': ''
    'customer': {
      'href': ''
    'initiate-micro-deposits': {
      'href': ''
  'id': 'e52006c3-7560-4ff1-99d5-b0f3a6f4f909',
  'status': 'unverified',
  'type': 'bank',
  'name': 'Test checking account',
  'created': '2015-10-23T20:37:57.137Z'
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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.