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How can I manually link my bank accounts to my Flourish Cash account using my bank account and routing number information?

  • Updated

This FAQ applies to Flourish Cash.

Please note: When a new bank account is connected, a 4-day security hold applies. During this time, you will not be able to transfer funds to the newly added account. This measure is designed to prevent unauthorized withdrawals.

Phase 1: Initiate the Connection

On Web (Flourish.com)

  1. Log in to your account.
  2. From your Dashboard, click on the desired account.
  3. Find the Connection Tool:
    • First-time users: Click Connect your bank.
    • Existing users: Click External Accounts at the top, then Add external account. Select Connect a new bank or choose from previously linked institutions.
  4. Plaid Security: You will be guided by Plaid. You may enter a phone number for easier future reconnections or click Continue without phone number.
  5. Manual Entry: Scroll to the bottom of the "Select your institution" page and click Link with account numbers.
    • ⚠️ If prompted to "Sign in to your bank," click Enter account number instead to continue with manual routing/account numbers.

On the iOS App

  1. Log in to the Flourish mobile app.
  2. From the home page, tap your Flourish Cash account.
  3. Tap Linked Accounts.
  4. Tap Connect New Account. (Alternatively, select from previously linked banks at the bottom).
  5. Follow the Plaid Security and Manual Entry steps described in the web section above.

Phase 2: Authorize and Verify the Deposit

After entering your bank details, you must authorize a $0.01 test deposit to your external account. The verification path depends on how quickly your bank processes this deposit. 

Option A: Instant Delivery (Within 3 Minutes)

⚠️ If your bank supports instant delivery, do not close the app or browser window while waiting, or you will lose your progress and have to restart.

  1. Check your history: Open your bank’s app or website in a separate tab/device (or call them) to check your transaction history.
  2. Find the code: Look for a $0.01 deposit with a description or note containing a code starting with "#" followed by three letters (e.g., #ABC). Write down these three letters.
  3. Complete: Return to the active Flourish/Plaid window and enter the three-letter code to connect immediately.

Option B: Standard Delivery (1 Business Day)

If the deposit is not instant, you may close the window and return once the deposit appears.

  1. Wait: Check your external account in one business day for the #ABC code.
  2. Return to Flourish:
    • Web: Log in > Dashboard > External Accounts > Click Verify under the pending bank.
    • App: Log in > Tap Flourish Cash Account > Linked Accounts > Tap Verify on the pending bank.
  3. Finalize: Enter the three-letter code and follow the prompts.

Phase 3: Start Transferring

Once verified, you can fund your account as follows:

  • Web: On the dashboard, click on the  Make a new transfer button.
  • App: Tap the Transfer button at the bottom of the screen.

Troubleshooting

  • Missing Deposit? If it hasn't arrived after one business day, please wait one more day.
  • Still nothing? Re-attempt the link from the External Accounts page of your Flourish Cash account. For more troubleshooting tips, please refer to this article.

Need more help? If you're still having trouble, please contact our Client Support team for further assistance.

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