The External Accounts section of the user profile displays a list of the user's external accounts and their statuses. These accounts were linked through the user's Settings > Linked Accounts. For instructions on linking or unlinking external accounts from the Narmi Banking web app, go to Linked Accounts. For mobile app instructions, go to My Accounts Mobile Settings - Linked Accounts.
Reset Microdeposit Attempts
For external accounts that were manually added, the status may be pending verification with microdeposits. Micro-deposit verifications in the NACHA file automatically expire after 60 days in a pending state. This automation ensures pending transactions do not remain unresolved indefinitely. Existing pending verifications that meet the expiration criteria will automatically expire as of the 2025.10 release. To configure a different expiration duration, please contact your Narmi Relationship Manager.
Users can enter up to 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.
Pending verification is invalidated by the user if they manually add the account a second time, or by your staff manually changing the external account (see below).
For more information, go to Microdeposit Processing.
Manually Change or Verify External Account
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.
Staff members must have the permission “Can update details of an external account” to manually change external account information.
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 Routing number, Account number, 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.