Step 2: Adding Funding Sources #

Within Dwolla, the sending party must always verify their bank account in order to be eligible to create a transfer.

Bank Addition and Verification Methods #

There are multiple ways of adding a bank to a Customer with the Dwolla API. A simplified table below outlines the similarities and differences of each method.

Bank Addition MethodWill the bank be verified?Required Information
API - Account & Routing NumberOptional - With MicrodepositsBank Account and Routing Number
Dwolla.jsOptional - With MicrodepositsBank Account and Routing Number
Dwolla + Plaid integrationYesOnline banking Credentials
Dwolla + Secure Exchange solutionYesOnline banking credentials
Other Approved Third-party ProviderYesVariable

Step 2A: Add a Bank to a Verified Personal Customer #

Next, you will create and attach a verified funding source to your Customer, which will be done using Plaid Link, a third-party bank verification provider. This method will give your Customers the ability to add and verify their bank account in a matter of seconds by authenticating using their online banking credentials.

Once your Customer reaches the page in your application to add a bank account, you will first use Plaid Link to authenticate the user's bank account, exchange the public_token for a processor_token, and then send the processor_token to Dwolla to create the funding source.

To integrate Dwolla with Plaid, we recommend checking out our Add a Bank via Dwolla + Plaid Integration guide. Additionally, if you would like to see a working example that verifies a bank via Plaid Link (using Next.js/React) and attaches it as a verified funding source to a Dwolla Customer, please check out our dwolla-plaid-funding-source integration example on our GitHub profile.

Step 2B: Handle Webhooks #

If you have an active webhook subscription, you should receive both the customer_funding_source_added and customer_funding_source_verified webhook immediately following the request to Dwolla to add a funding source using a Plaid processorToken.

Step 2C: Add a Savings Account #

Once you have integrated Dwolla with Plaid, and you have attached a customer's checking account, you will want to repeat the same steps outlined above to add the customer's savings account as a funding source as well.

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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.