The External Accounts section of the user profile displays a list of the user's external accounts. These accounts were linked through the user's Settings > Linked Accounts. For instructions on linking or unlinking external accounts from Digital Banking, go to Linked Accounts.
For external accounts that were manually added, the status may be pending verification with microdeposits. Pending verification with microdeposits does not automatically expire, but can be invalidated by the user if they manually add the account a second time, or by your staff manually changing the external account (see below). Users cannot enter more than 10 guesses for microdeposits. Once the limit is reached, staff members can manually reset the attempts on microdeposit guesses by selecting Reset next to the pending account in the Status column.
Staff members can also manually change the information of the external account. For example, if a user is entering the wrong microdeposit values, but you’ve independently verified the user and ensured it’s not fraud, you can manually set the state from pending to verified.
Warning: This is a very high risk action and you should only change the account information when it has been independently verified. Updating this information may overwrite other verification methods like microdeposits or instant authentication.
To change external account information:
- From the External Accounts list, select a Routing number, Account number or Name of the account to be changed.
- On the page that appears, you can change the Product Type (Checking, Savings, or Loan), Account Purpose (Personal or Business), or State (Pending, Verified, or Removed).
- Select Save to finish. A confirmation message appears when successful.