Step 1: Generate an access token for your account
Go to the token generator.
Use your application’s key and secret and select the following scopes: Send, Funding, Transactions, and ManageCustomers. When you get to the OAuth login log in screen, log in with your child Sandbox account. Once you agree to the permissions, you’ll receive an access and refresh token pair that contains the proper scopes for creating and managing customers. More detail is available in API docs.
Financial institutions play an important role in the Dwolla network.
Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and 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 and Compass Bank.