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I connected my bank but no income deposits showed up

What to do if we didn't find any deposits to use for income verification.

If you connected your bank but no deposits appeared, one of these is usually the reason.

You connected the wrong account

If you accidentally picked a savings or secondary account, your paychecks probably aren't there. Disconnect and reconnect using the account where your income is actually deposited.

We didn't recognize a payer for your deposits

Sometimes deposits exist in your account but aren't grouped as a payer we automatically recognized — for example, a new employer or an unusual deposit pattern. The deposits are still there and you can still confirm them as income.

Tap "Select individual payments" on the payer screen and pick each deposit you want counted. Your verification works the same way either way.

Your income is too recent

If you just started a new job and your bank doesn't have any deposits yet, there's nothing for us to find in your transaction history. In that case:

  • If your employer uses a major payroll provider, try connecting through payroll instead — that often works as soon as you have your first pay stub

  • Otherwise, document upload (a recent pay stub or signed offer letter) is the right next step

Your pay doesn't go through your bank

Bank verification works when your income lands in your account — direct deposit, ACH from a gig platform, recurring transfers. If you're paid in cash, by paper check, or your employer doesn't deposit electronically, bank verification isn't the right method for this income.

Document upload is the right path here — pay stubs, tax returns, or 1099 forms all work.

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