Depository accounts are the checking and savings accounts you already use at your bank, and connecting them lets you move money in and out with ease.
What qualifies as a depository account
A depository account is any account where you can hold and access cash directly, including:
Personal checking and savings accounts
Business checking and savings accounts
Think of these as the “core” accounts you use to spend, save, or pay bills.
How we connect to these accounts
We connect depository accounts through Plaid and Finicity.
Both are industry-leading providers that specialize in securely linking your financial accounts to tools like Sequence.
Plaid: Powers connections across thousands of banks and fintech apps.
Finicity: A major provider (owned by Mastercard) that partners closely with banks to deliver balance and account data.
These providers connect directly with your bank, securely retrieve balances and account info, and pass that data back to Sequence.
That means Sequence never interacts with your bank directly, your connection always flows through Plaid or Finicity.
Transfer times
Transfer speed depends on the source account (where the funds are being pulled from):
From a Sequence account → transfers are sent via same-day ACH.
From an external depository account → transfers typically take 1–3 business days to settle.
How to connect a depository account
Click the + button in the bottom panel of Sequence.
Select connect your accounts
Select the correct beneficiary - either your personal name or a business entity.
Find your institution in the search bar.
You’ll be redirected to either Plaid or Finicity’s login screen.
Log in with your usual online banking credentials.
Once complete, you’ll be sent back to Sequence, and your account will appear as connected.
Can’t find my account?
Sometimes, your institution might not appear in the search results. If that happens:
Double-check the spelling of your bank’s name.
Try searching for different variations (for example: “Wells Fargo Business” vs. “Wells Fargo”).
Look up your institution online to confirm the exact name used for digital banking.
If your bank still isn’t available, you can always add it as a Destination account by entering the routing and account numbers manually.
And that’s not such a bad thing:
Destination accounts can always receive funds, which covers most use cases.
You’ll still be able to send money into that account automatically through your rules.
The only difference is that we won’t be able to pull balances or funds out.
Depository accounts are where Sequence starts to feel powerful.
Next, we’ll dive into Liability Accounts (your credit cards, loans, and other debts) and show how they fit into the bigger picture.