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How to add/link a US bank account

  • Updated

Bank account funding and withdrawals are offered to all verified users on Uphold within the supported countries listed here.

There's more than one way to link a US bank account and transfer US dollars into your Uphold account:

  • Connect via Bank Credentials authentication (trade instantly; sends and withdrawals available after 4-5 business days, once the funds are settled).
  • Connect via Micro-Deposits authentication (trade instantly; sends and withdrawals subject to the 65-day withdrawal restriction period).

 

⚠️ Please note that to add an ACH bank account we require you to provide your TIN/SSN.

 

Bank Credentials Authentication

1. Go to the Transact option.

2. Select the From option.

3. Click on + next to Banks.

4. Select the US Dollar currency.

5. Select Link a bank account.

6. Tap/Click Continue on the Plaid menu.

7. Select your bank from the available list.

8. Login using your bank credentials to authenticate in the Plaid widget, or in the bank website you are automatically redirected to.

9. Select the account you’re linking*

10. You’re done!
*Important Information:
Account Verification

We’ll then verify your bank account. This usually only takes a few minutes and we’ll let you know when complete. 

Login through bank webpage

*if you are directed to login via the bank webpage, please ensure you also grant permissions to:

  • Account holder name(s) (This is necessary to verify account ownership)
  • Account number and routing number (This is necessary to enable money movement across financial institutions)
Names must match

The name on your bank account must match the name on your Uphold account in order to link the two successfully.

 

Via Micro-Deposits
  1. Go to the Transact option.
  2. Select the From option.
  3. Click on + next to Banks
  4. Select the US Dollar currency.
  5. Select Link a bank account.
  6. Tap/Click Continue on the Plaid menu
  7. In the Search box, start typing your bank name or go to the bottom of the list to find the option Link with Account numbers
  8. Enter your account information
  9. Authorize the micro deposits and subsequent reversal**
  10. Wait for the 2 micro deposits to reach your bank account (can take up to 1 business day)
  11. Once you received the 2 micro deposits, log back in and go again to your Linked Accounts page
  12. Select your account with the blue exclamation mark asking to be verified.
  13. Enter the exact amount of each of the deposits
  14. Your account is now linked. Happy trading!
*Important Information:
Microdeposits Reversal

**Plaid will reverse the two micro-deposits from your bank account.

Funds Settlement

Funds deposited through ACH are immediately available for you to trade, but you’ll only be able to withdraw the deposited amount and related profits to the same bank account once the funds settle, usually after 4 business days.

Cooldown Period

The deposited amount is subject to the 65-day withdrawal restriction before being able to withdraw to external crypto or different bank accounts.

Names must match

The name on your bank account must match the name on your Uphold account in order to link the two successfully.

 

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