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    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 customer’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",

dwolla.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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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.