Funding accounts

Pull money into Betterment by connecting your funding accounts

Getting started

Manually Connect

If you are not presented with the option to connect instantly, or you choose not to, you can manually connect your bank account with your account and routing number. To add your bank account manually, log in on a web browser and select “Settings” from the menu and then select “Funding Accounts.” On the following screen below the "Connect Instantly" button, you will then see the option to "Connect manually instead." Connecting manually involves us sending two micro-deposits (each under $1.00) to ...

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Adding A Funding Account

The external bank accounts you connect to your Betterment account for the purpose of transferring funds must be in your name. We suggest that you use checking accounts rather than savings accounts, because savings accounts typically limit the number of monthly withdrawals you can make. If your bank uses the same routing and account numbers for both your checking and your savings account, our system will default to pulling from and depositing to your checking account. For security reasons, we ...

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Instantly Connect

Connecting a bank account instantly creates a secure, read-only connection with your financial institution through our data partner, Plaid. Betterment does not store your login information and will never share, sell, rent, or trade your information without your approval. To add a bank account instantly, log in on a web browser and select “Settings” from the menu and then select “Funding Accounts.” You will then see the option to add the bank accounts you want to fund with. If you’ve instantly ...

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Managing my account

Making Changes To Your Funding Accounts

Because an electronic ACH transfer is the primary way to move money to and from Betterment, you will not be able to delete all of your connected bank accounts unless you add at least one new bank account to replace them with. On a web browser: Select “Settings” from the menu and then select “Funding Accounts.” You’ll then be able to add or change your funding accounts. On the mobile app: After logging in, tap the three bars on the top left. Select “Settings” and then select “Funding Accounts.” ...

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