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    Verify Bank with Micro-deposits
    OverviewStep 1: Initiate micro-depositsStep 2: Verify micro-deposits
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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 customerā€™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.

var fundingSourceUrl =

appToken.get(fundingSourceUrl).then(function(res) {
  res.body.name; // => 'Test checking account'

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Financial institutions play an important role in our network.

Dwolla, Inc. is an agent of Veridian Credit Union and all funds associated with your account in our network are held in one or more pooled accounts at Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBankĀ®, N.A.
Push-to-Debit payments are typically available within 30 minutes.