Connect your bank account using micro-deposits in the Melio app

  • Updated

You can connect your bank account on the Melio app in two ways:

What are micro-deposits?

  • Micro-deposits are small amounts of money that enter your bank account so we can verify your account.
  • Receiving micro-deposits can take up to 2-3 business days.  
  • These will be debited back from your account after a few days.

Here’s how to do it:

iOS users

There are two key steps to connecting your account through micro-deposits:

  1. Add your bank account details. You can do this either:
    a. When making a payment. 
    b. From Settings. 
  2. Verify your bank account using micro-deposits, once you receive them.

Adding your bank account when making a payment

  1. Choose an existing bill, add a new bill or pay without a bill.
  2. Tap Pay.
  3. When asked what you want to Pay with, tap Bank account

NOTE: Payment method is pre-selected

When you already have a verified payment method connected, it will be selected automatically.
To change to your bank account:

  • Tap Change in the right top corner of the Pay with box.
  • Tap +Add another bank account.
  1. Tap Verify with deposits.
  2. Add your Routing number (ACH) and Account number and tap Save.
  3. Tap Got it.
  4. Complete payment details and Slide to pay.

Your payment will only be processed once your account is verified.

 

Adding your bank account from Settings

  1. Go to Settings
  2. Select Payment methods.
  3. Tap Bank account or Add another bank account.
  4. Tap Verify with deposits.
  5. Add your Routing number (ACH) and Account number and tap Save.
  6. Tap Got it.

You won’t be able to use this account until it’s been verified.

 

Android users

There are two key steps to connecting your account through micro-deposits:

  1. Add your bank account details.
  2. Verify your bank account using micro-deposits, once you receive them.  This is available only from the Melio site. 

Adding your bank account when making a payment

  1. Choose an unpaid bill, scan an invoice or add a new bill.
  2. Tap Pay.
  3. When asked what you want to Pay with, tap Bank account

NOTE: Payment method is pre-selected

When you already have a verified payment method connected, it will be selected automatically.
To change to your bank account:

  • Tap Change in the right top corner of the Pay with box.
  • Tap Bank account.
  1. Tap Verify with micro-deposits.
  2. Add your Routing number (ACH) and Account number and tap Save.
  3. Continue making the payment.

Your payment will only be processed once your account is verified.

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