History for "Why Can't I See My Microdeposits? (And How to Resolve It)"

Why Can't I See My Microdeposits? (And How to Resolve It)

When you connect a bank account for ACH transfers, we send two small test deposits (typically under $1 each) to confirm you actually own the account. You report the amounts back to us, and the account is verified. However, if you cannot find those deposits, this article explains what's likely going on and what to do about it.

Do you see the account in your payment methods list?

Visit your space's portal and log in. Click the avatar menu on the top, right of the screen and select payment sources. Make sure the account you are trying to verify is in the list and still needs verification.

If not, you will need to add it and the process will start over. Otherwise, continue reading.

Why the deposits might not appear in your online banking

The deposits were sent, and they reached your bank. But online banking is a customer-facing view of your account, and it doesn't always reflect every transaction your bank's actual ledger has on record. A few things commonly happen:

Your bank may not display pending deposits at all. Some banks, especially smaller credit unions and certain larger institutions, only show transactions in online banking after they've fully posted. Microdeposits sometimes arrive and reverse before they ever post, so from your side it looks like nothing ever happened.

The deposits arrived and reversed between the times you checked. Microdeposits are typically reversed after the verification window. If you happened to log in after that reversal, the credits and the matching debits may have netted out and disappeared from your transaction list.

Your bank groups, hides, or filters small transactions. A handful of banks bundle small ACH credits into a daily summary or filter them out of the default transaction view. If you're looking at a filtered list, you won't see them.

There's a delay between when the bank receives the deposit and when online banking reflects it. Backend systems and customer-facing apps don't always update at the same time.

Not seeing the deposits in your app does not mean they aren't there. They almost certainly are — on your bank's internal ledger.

Call your bank

You need to call your bank. Chat & email are extremely unlikely to lead to a resolution.
Here's specifically what to ask:

"Can you look at my account ledger for any small ACH credits within the last two weeks? I'm looking for microdeposits with the description "AMTS:", usually under a dollar each. Please include any that have already been reversed or fallen off the account."

The two key phrases are reversed and fallen off. Without those, the representative may glance at your current transaction list, not see anything unusual, and tell you there's nothing there. The deposits you need are often no longer visible in the standard view, but they are on the bank's ledger.

If the first person you talk to can't help

You may have to keep asking, and that's normal. Frontline phone agents don't always have access to the full ledger, or aren't familiar with researching reversed ACH transactions. If they tell you there's nothing on the account:

• Ask them to look specifically at ACH transaction history, not just recent activity.
• Ask them to check for transactions that have been reversed or removed from the visible account.
• Ask to be transferred to someone in their ACH or back-office department.
• If needed, ask for a supervisor.

The information is there, it may just take some effort to find it.

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