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's what we recommend, especially when your balance is negative and needs to be restored quickly.
2. Let incoming checks build up your balance
If you'd rather not send a transfer, 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 is back to its required level, so incoming funds stay in the holding account until you're topped up.
This works well when you're first setting up your account, or when you know a large check is on its way.
This is not a recommended option for recovering a negative balance. We require restoring those in a timely way, and waiting for checks to arrive is unpredictable, so an ACH transfer is the better option in that situation.
Stable partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.