If your financial institution is not currently showing as an option by Plaid, you may link an external account using Plaid’s Same Day Micro-Deposits feature. This feature can be used to authenticate any bank account in the US. We recommend using only if you cannot find your institution via the search bar.

Plaid will make two deposits that post within one business day. After the funds hit your account, you will manually verify the deposited amounts within one business day.

When a user connects their account via SDMD, they will have to wait for the deposits to settle, which takes more than 1 day. “Same Day” means that the ACH is initiated the same day as the request, but will not settle on the same day.

How to link an account via Same Day Micro-deposits

If you don’t see your bank or credit union list, select the “Link with account numbers” options at the bottom of the Plaid selector

1. If you don’t see your bank or credit union list, select the “Link with account numbers” options at the bottom of the Plaid selector

2. Go through Plaid’s process by entering your account and routing numbers

3. Once you have received the two micro-deposits, finish linking by re-opening the Plaid account linking via the “Manage” button found under Connected Accounts (via Plaid) on the Profile page. For first time users, this will be the only option through the Onboarding process.

4. After clicking “Manage”, choose the option to Finish Your Account Verification to be guided through the process of entering the micro-deposits from the account you’re trying to link.

If that method does not work for you, please try the following options

Connect your Nav Business Checking account through your external account. To do this, log in to your external account and follow their steps for linking your accounts using the routing and account numbers for your Nav Business Checking account.

If your financial institution cannot link your accounts, you can try manually sending funds from your external bank account using the routing and account numbers for your Nav Business Checking account.

- Connect your Nav Business Checking account through your external account. To do this, log in to your external account and follow their steps for linking your accounts using the routing and account numbers for your Nav Business Checking account.
- If your financial institution cannot link your accounts, you can try manually sending funds from your external bank account using the routing and account numbers for your Nav Business Checking account.