Why am I unable to link my U.S. Bank Account?
Here are a few reasons why you might not have been able to add your account, and what actions to take:
Plaid Bank Account Connection:
If you're using our new method to link your bank account to your Uphold account for faster settlement times and higher deposit limits, click here for more details on linking your Uphold account with your online banking credentials via Plaid.
Frequently, members are using the incorrect routing number when linking their bank account. If you are having issues linking your account, you will want to confirm with your bank the number you are using is in fact the routing number (not the wire routing number).
If you have a paper check the routing number can be found here.
Confirm with your bank that the routing number is the correct routing number to be used with ACH.
If you're having difficulty adding your Bank of America account, please make sure you are entering the routing number and account number correctly. Please do not use routing number: 026009593, this will give you an error.
Name and address Mismatch:
The name on your bank account must match the information on your ID exactly. If the information does not match, please contact us with details regarding what the mismatch is, and please submit to our support team a recent and complete bank account statement where your full name, billing address and complete account number are visible for verification purposes.
If you have a Latin name and the name on your Bank is your first name and the maternal last name, the automated account verification might fail. Please contact us with details regarding what the mismatch is, and please submit to our support team a recent and complete bank account statement where your full name, billing address and complete account number are visible for verification purposes.
Smaller Credit Unions and Regional Banks:
In some rare instances, smaller credit unions do not participate in external bank verification processes. If your bank does not participate in the verification process your account validation will fail and the Uphold team will have to manually verify your account. Because of this, members will need to provide the most recent bank statement, from the bank account you are attempting to link.
In extreme cases, our team might request a 3 way call with the bank to verify that you are the authorized user/owner of the bank account.