When you might need to add funds
You just opened your account and want to bring it up to its minimum balance.
Your balance dropped below the minimum required on the account.
Your balance went negative, usually because a check was reversed after those funds had already been transferred via ACH to your bank account.
Two ways to add funds
1. Send an ACH transfer (recommended)
Every holding account has its own account and routing number. You can send an ACH transfer to it from your own bank, the same way you'd pay any other account.
To find your account details, go to Finance → Bank accounts, select your holding account, and click "View account details".
Use those numbers to set up the transfer from your own bank. ACH transfers are free at most banks and usually arrive in 1–3 business days.
This is the fastest and most reliable way to fund your account, and it works in every situation above. If your balance has dropped below the minimum or gone negative, an ACH transfer is how you can restore it.
2. Let incoming checks build up your balance (new accounts only)
This option is only available when you first open your account. Instead of sending a transfer to reach your initial minimum balance, you can let the checks you receive deposit into your holding account and build the balance that way. No transfers to your own bank will happen until your balance reaches its required level, so incoming funds stay in the holding account until you're topped up.
Once your account is established, this is no longer an option for topping up. If your balance later drops below the minimum, or goes negative, you'll need to send an ACH transfer to restore it.
Stable partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.