Connect your bank account to Engine

7 minute read

Article summary

This guide walks you through the process of how to connect or disconnect your bank account along with setting up Autopay.

Connecting a bank account to Engine lets you pay your statement balance directly by ACH and turn on Autopay. Connecting your account is also a required step before you can issue your first Engine X card.

 

There are two ways to connect your bank:

 

  • By signing into your bank (Recommended): Instantly connect your account by signing into your bank’s website via Link. Your account will be ready to use right away.

  • By manually entering details: If you can’t find your bank in Link’s list or prefer to not sign into your bank account, you can enter your routing and account numbers. Verification takes 1 to 3 business days.

Both options use Stripe's secure, PCI-compliant flow. Engine never sees or stores your bank credentials.

 

New Bank Account Connection

 

    • Click on the Payment methods button, which is toward the top of the page.

    • Click Add bank account.

    • Find your bank. Select one of the options in the list, or search for your bank

    • When you’re ready, click on Agree and Continue.

    • Click Continue to sign into your bank, or Choose another bank to select a different 

      • bank for sign-in.

    • You will be directed to your bank’s sign-in page. Input your username and password.

      • You may also be prompted to input a one-time code or follow a multi-factor authentication process. Engine and Link will never see your credentials.

    • Select the account(s) you would like to use for billing. 

    • After selection, you will see a “Retrieving accounts…” screen.

    • (Optional) You can save this connection so that your account details will appear on other websites where Link is accepted. This step is not required, and to skip, click on Finish without saving.

    • You’ll now see a “Success” screen, confirming that your account was connected. Click on Done to go back to the Engine Billing payment methods page. Your new bank account is ready to use immediately.

     

    Can’t find your bank in the list?

     

    • You’ll need to manually input your account details. Click on Can’t find your bank?.

    • Enter your bank account details by inputting the routing number and account number.

      • Routing number: Your 9-digit ABA routing number (found on a check or in your online banking account)

      • Account number: Your checking account number

      • Confirm account number: The same account number again

      •  When you’re ready, click Submit.

      • Doing so triggers a manual verification process. It will take approximately 1 to 3 business days to verify your account. The following instructions are what you can expect.

    • After clicking Submit on the previous screen, you’ll see an “Almost there” screen confirming that a test deposit will be sent to your account.

    • In approximately 1 to 3 business days, check your bank account statement for a new ACH Debit entry from SMXXXX-ENGINE for $0.01. (Instead of “XXXX” you’ll see a unique set of characters and numbers.)

    • Note the 6-character code that begins with SM. For example, “SMA1B2”.

    • Navigate to the Engine Billing payment methods page by clicking on Billing in the navigation bar and then on Payment methods.

    • Click the Verify button next to your bank account.

    • Type the 6-character code into the boxes, and click Verify. Your bank account is now verified and ready to use for ACH payments and Autopay.

    *Can't find the code on your statement? Wait a day or two and check again. From the same verification screen, you can also request another deposit confirmation.*

    • In the navigation bar, click on Billing in the Spend section. 

    • Click on the Payment methods button, which is toward the top of the page.

    • Click Add bank account.

    • In the search bar, type “manually”. 

    • Click on Manually enter details.

    • Enter your bank account details by inputting the routing number and account number.

      • Routing number: Your 9-digit ABA routing number (found on a check or in your online banking account)

      • Account number: Your account number

      • Confirm account number: The same account number again

    • When you’re ready, click Submit.

     

    It will take approximately 1 to 3 business days to verify your account. The following instructions are what you can expect.

     

    • After clicking Submit on the previous screen, you’ll see an “Almost there” screen confirming that a test deposit will be sent to your account.

    • In approximately 1 to 3 business days, check your bank account statement for a new ACH Debit entry from SMXXXX-ENGINE for $0.01. (Instead of “XXXX” you’ll see a unique set of characters and numbers.)

    • Note the 6-character code that begins with SM. For example, “SMA1B2”.

    • Navigate to the Engine Billing payment methods page by clicking on Billing in the navigation bar and then on Payment methods.

    • Click the Verify button next to your bank account.

    • Type the 6-character code into the boxes, and click Verify. Your bank account is now verified and ready to use for ACH payments and Autopay.

     

    *Can't find the code on your statement? Wait a day or two and check again. From the same verification screen, you can also request another deposit confirmation.*

     

     

    From the Billing Payment Methods page, you can:

     

    • Add a nickname for a bank account.

    • Designate a bank account as the default payment method.

    • Delete a bank account connection.

    • Enable Autopay so your statement balance is paid automatically on its due date.

    • Pay by ACH for individual statements.

    • Download Engine's W-9 if your accounts payable team needs it for vendor setup.

    • You can also add new bank accounts at any time by clicking Add bank account again.

    Additional Information

    • Automatic payments (“Autopay”) are an easy way to pay for your statements from Engine. We will automatically pull your payments from your company's bank account so you don't have to worry about due dates or late fees.

      • In the navigation bar, click on Billing in the Spend section. 

      • Click on the Payment methods button, which is toward the top of the page.

      • Click on Enable Autopay. 

      • Confirm or set up the bank account for autopay.

      • Click on the Enable Autopay button.

    • On this same screen, you can disable Autopay at any time.

     

    • In the navigation bar, click on Billing in the Spend section. 

    • Click on the Payment methods button, which is toward the top of the page.

    • Find the bank account for which you’d like to delete the connection. Click on the ⋯ button next to the  account name.

    • Click Delete.

    Issue 

    What to do

    Searching for your bank shows "No results"

    Your bank may not be in Link’s instant-connect list. See Page 4 of this guide for more information.

    Bank account stays at "Verification required"

    The test deposit hasn't been posted yet. Allow 1 to 3 business days, then look for an ACH Debit entry from SMXXXX-ENGINE for $0.01 on your bank statement. Instead of “XXXX” you’ll see a unique set of characters and numbers.

    Can't find the 6-character SM code

    Wait 1 or 2 more business days and check your statement again. From the verification screen, you can also request a new deposit confirmation.

    Bank login fails inside the Link window

    This is usually a timed-out multi-factor prompt or expired session. Click Choose a different bank, reselect your bank, and try again. If it keeps failing, click Manually verify instead.

    Wrong account connected

    On the Billing payment methods page, click on ⋯ next to the bank account, and click Delete.

    Want to delete a bank connection

    Click on ⋯ next to the bank account on the Billing payment methods page, and click Delete. You can reconnect at any time.

     

    Was this article helpful?