How do I manually connect my bank account?

Above images are for demonstrative purposes only. 

Step 1: Open your profile

If you are using river.com, click the profile icon in the upper-right corner of the page. If you are using your River app, tap your profile icon in the upper-left corner of the homepage.

Step 2: Click "Linked bank accounts"

If you are using river.com, click "Banking & Bitcoin," then click "Linked bank accounts." If you are using the River app, tap "Banking & Funding," then tap "Linked bank accounts."

Step 3: Link a bank account

If you are using river.com, click "Link a bank account," then click "Link bank account." If you have no linked bank accounts yet, "Linked bank accounts" opens this screen directly, so click "Link bank account." If you are using the River app, click "Link a bank account." 

Step 4: Enter Plaid

Click "Continue" to see a list of common banking institutions.

Step 5: Find your bank
If you do not see your bank, you can try connecting your bank account with manual authentication. Instead of automatic authentication, manual authentication may be required if your banking partner is a regional bank or if you have two-factor authentication enabled for your online banking account. 

Scroll down to "Connect manually" to proceed with manual authentication.

Step 6: Enter routing number

Enter the routing number for your bank account. This number is a sequence of 9 digits and can be found online or on the bottom of a physical check. 

Step 7: Enter account number

Enter the account number for your bank account. This number is usually between 8 and 12 digits and can be found online, on your monthly account statements, and at the bottom of a physical check. Please also confirm the account number for your account, making sure that the numbers match what you entered above. 

Step 8: Enter name

Enter the name that is on your bank account. If you have a business bank account, this will be the business name.

Step 9: Select account type

You will now have the choice between linking a checking or savings account. 

Step 10: Authorize bank debits

Click "Authorize bank debits" to allow deposits and withdrawals from your bank account. In order to verify your account, Plaid will make a small deposit of $0.01 in your bank account within 1 to 2 business days. 

Step 11: Enter phone number

Enter your phone number to be notified once the $0.01 is deposited in your bank account. You can also opt out of the reminder if you prefer. 

Step 12: Locate deposit

You will be receiving a $0.01 deposit within 1 to 2 business days. You will also see a three-letter verification code associated with the deposit. 

Step 13: Return to "Linked bank accounts"

If you are using river.com, click the profile icon in the upper-right corner of the page, click "Banking & Bitcoin," then click "Linked bank accounts." If you are using your River app, tap your profile icon in the upper-left corner, tap "Banking & Funding," then tap "Linked bank accounts." 

Step 14: Verify deposit

If you are using river.com, click the bank account marked "Needs verification," then click "Verify now." If the button reads "I already received the code," click that instead. If you are using the River app, click "Verify" next to the bank account you are linking.

Step 15: Enter code

Enter the three-letter code associated with the $0.01 deposit found in your bank account. If you are using river.com, click "Continue." You will return to "Linked bank accounts" and see a "Bank account verified" message. If you are using the River app, click "Continue" to route back to the River homepage. 

Step 16: Bank account linked

Your bank account is now successfully linked to River. You can view and manage this bank account in your "Linked bank accounts" section.