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How to add funds to your Backpack account without linking

Add funds to your Backpack account without linking a 529—just use your personal bank account via the “Add Money” flow

Updated yesterday

If you don’t want to (or can’t) link your 529 plan directly to Backpack, you can still add funds using your personal bank account — including accounts you’ve used in the past to contribute to your 529 plan.

One option is to withdraw funds from your 529 plan into your personal bank account. Most families already have a bank account linked to their 529 from when they made contributions. Once the funds arrive in your personal account, follow these steps:

  • Log into your Backpack account

  • Click “Add Money” → “Bank Transfer”

  • Choose your personal bank account to transfer funds into your Backpack balance

This approach also works if you’re using other sources like personal savings or checking accounts. Just make sure your Backpack balance is fully funded before your tuition payment is due.

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