---
title: "How to verify a bank with micro-deposits"
description: "If you add a bank by typing its routing and account numbers, Cleo Pay sends small deposits to prove it's yours. When they arrive in 1 to 2 business days, enter the code or the two amounts in Settings, then Bank Accounts."
url: https://cleo-pay.com/help/verify-a-bank-with-micro-deposits
category: "Bank accounts and balance"
audience: [business]
updated: 2026-10-22
support: support@cleo-pay.com
---

# How to verify a bank with micro-deposits

> If you add a bank by typing its routing and account numbers, Cleo Pay sends small deposits to prove it's yours. When they arrive in 1 to 2 business days, enter the code or the two amounts in Settings, then Bank Accounts.

If you add a bank by typing its routing and account numbers, Cleo Pay sends small deposits to that account to prove it's yours. They arrive in 1 to 2 business days. Then you enter what you see on your statement in **Settings**, then **Bank Accounts**, and the bank becomes the one you pay from.

If you'd rather skip the wait, connect the bank by signing in to it instead. See [How to connect your bank account](https://cleo-pay.com/help/connect-your-bank-account).

## Add the bank

You need to be an admin, and your business needs to be verified.

1. Go to **Settings**, then **Bank Accounts**, and click **Add bank account**.
2. Click **Enter bank details**.
3. Enter the **Routing number** and **Account number**. You can add a **Name** so you can tell your accounts apart.
4. Under **Account holder**, pick **Business** or **Individual**, depending on whose name the account is in. The wrong choice makes the bank return the debit.
5. Read the ACH debit authorization and tick **I authorize the debits described above.**
6. Click **Add account and send micro-deposits**.

You'll see "Bank account added. Micro-deposits are on the way."

If the button only says **Add account**, your business isn't cleared for bank debits yet. The bank is added as a place to receive payments, but no micro-deposits are sent and it can't pay from Cleo Pay yet.

## What to look for

Stripe picks one of two checks for each account. The bank's row in the list tells you which one.

| Check | What you'll see on your statement | What you enter |
|---|---|---|
| Code | One $0.01 deposit. Its description has a six-character code that starts with SM. | The code |
| Amounts | Two small deposits | Both amounts, in cents |

## Enter the details

1. Go to **Settings**, then **Bank Accounts**.
2. Click the three-dot menu on the bank's row and choose **Enter the micro-deposit details**.
3. Enter the **Statement code**, or the two amounts in **Deposit 1** and **Deposit 2**. If your statement shows the other kind, click **My statement shows two deposits instead** or **My statement shows a code instead**.
4. Click **Verify account**.

You'll see "Account verified. You can now fund payments from it." The bank is now marked Pays from.

You get 10 tries for a code and 3 tries for the amounts. The window shows how many are left.

## If it doesn't work

| Message | What to do |
|---|---|
| "That code does not match the one on your bank statement. Check the six-character code beginning with SM and try again." | Check the code on the $0.01 deposit and enter it again. |
| "Those amounts do not match the deposits we sent. Check your bank statement and try again." | Check both amounts and enter them again. |
| "Enter each deposit as it appears on your statement, in cents, without a dollar sign." | For $0.32, enter 32. |
| "Too many incorrect attempts. Please start a new verification for this account." | Connect the bank by signing in instead (see below). |
| "This verification expired before it was confirmed. Please start a new one." | Connect the bank by signing in instead (see below). |
| "The deposits could not be sent to this account. Check the account and routing numbers and try again." | The numbers are probably wrong. Check them with your bank. |

When a check fails for good, the bank's row shows why. Open the row's three-dot menu and choose **Connect this bank to pay from**, then sign in to your bank.

If you're still stuck, email support@cleo-pay.com with your bank's name, the last four digits of the account and the message you saw.