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    Verify Bank with Micro-deposits
    OverviewStep 1: Initiate micro-depositsStep 2: Verify micro-deposits
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Verify micro-deposits #

In the Dwolla production environment, you must wait until the micro-deposits actually post to the customerā€™s bank account before the account can be verified, which can take 1-2 business days. A microdeposits_completed event will be triggered once micro-deposits have successfully posted to the bank. Once micro-deposits have completed, a verify-micro-deposits link relation will return on the funding source letting your application know the funding source can be verified. When the amounts are entered for verification, the order in which they are entered doesn't matter.

In the Sandbox environment, any amount below $0.10 will allow you to verify the account immediately.
var fundingSourceUrl =
var requestBody = {
  amount1: {
    value: "0.03",
    currency: "USD",
  amount2: {
    value: "0.09",
    currency: "USD",

appToken.post(`${fundingSourceUrl}/micro-deposits`, requestBody);

Handle failed verification attempts #

Your customer will have only three attempts to correctly input the two posted micro-deposit amounts. If your customer reaches the max attempts allowed, a microdeposits_maxattempts event will be triggered and a failed-verification-micro-deposits link will be returned in the response for the funding-source. As a result, they will no longer be allowed to verify the funding source using those same two posted micro-deposit amounts. In order to retry bank account verification via micro-deposits, the following steps will need to be taken by your customer and application:

  1. Removal of the funding source with failed micro-deposit verification attempts.
  2. Wait 48 hours after the initial funding source was added to re-add the funding source.
  3. Initiate new micro-deposits to the funding source.
  4. Verify the funding source using the new posted micro-deposit amounts.

Links returned on the funding source resource, either initiate-micro-deposits or verify-micro-deposits, will give your application insight into whether the funding source is eligible to receive or verify micro-deposits.

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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

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

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.