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Checking Account Validation

The Checking Account Validation process is how ProPay verifies a checking account for adding funds into a ProPay Account. First, ProPay sends two small deposits to your checking account. Since only you, as the owner of this checking account, have access to this information, knowing the exact amounts of these two deposits will confirm that you are the true owner of this checking account and protects your financial information with ProPay.

  1. How do I start the Checking Account Validation?
  2. What are the fees charged for the Checking Account Validation?
  3. How long does the Checking Account Validation take?
  4. I have not received the two deposits - What should I do?
  5. I only received one deposit - What should I do?
  6. Is the checking Account Validation required?
  7. I have changed my Checking account information, can I validate my new account?
  8. I am not able to enter the amounts of the two deposits - What should I do?

1. How do I start the Checking Account Validation?

Follow these instructions:

  1. Log on to your ProPay Payments Account.
  2. Select Edit My Profile.
  3. Click Change/Add Checking Account.
  4. Enter the information for the checking account you wish to validate.
  5. Once you submit the checking account information, the validation process will begin.

Please note: The validation process is required and will automatically begin after you enter your routing and checking account numbers.

When you see the small amounts in your checking account (in 3-9 days):

  1. Login to your ProPay Payments Account.
  2. Select Add Funds.
  3. Enter the two amounts that were deposited.
  4. Click Submit to finish the process.

The validation should now be completed.

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2. What are the fees charged for the Checking Account Validation?

There is no fee to complete the Checking Account Validation. The two small deposits sent to your account are yours to keep.

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3. How long does the Checking Account Validation take?

The validation process can take from 3-9 business days, but is not required to be able to process a credit card, send money to your checking account, or to use your Prepaid MasterCard® Card. The validation is only necessary if you want to add funds to your ProPay Account from your checking account (for example, to refund a credit card). However, when the validation process is complete, you can be assured that you have provided to us the correct routing and account numbers stored in your profile.

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4. I have not received the two deposits - What should I do?

If the appropriate length of time has passed and you continue to have trouble locating these two small deposits, or if you receive a message that the Checking Account Validation has failed, please contact your bank and verify that your deposits have not shown up and that your routing and account number information is correct (We suggest that you contact your bank anyway to determine if the routing and account numbers are correct rather than simply verify the numbers off the bottom of a check).

Here is how to add, verify, or update the routing and account information stored in your ProPay Account profile and some suggestions:

  1. Log in to your ProPay Account.
  2. Mouse over My Account and select Edit My Profile.
  3. Select the Change/Add Checking Account link
  4. You will see the account information, as it is stored in your account profile and can make any changes as required. Call your bank to verify that the information is correct.
  5. After entering your correct routing and account numbers, click Submit to store them in your ProPay Account profile.

Please do not simply verify the information from the bottom of a check. ProPay strongly suggests that you contact your bank to verify the information. Information from the bottom of a DEPOSIT SLIP is incorrect.

An ACH return resulting from incorrect checking account information will cause a delay over which ProPay has no control and will cost you additional fees. ProPay charges a non-refundable $10.00 fee when an ACH return transaction occurs.

If you choose, you may validate your checking account after you've stored your information. Just go back into the Change/Add Checking Account screen and click the begin validation link. Validation is not required, and is only necessary if you wish to add funds from your checking account to your ProPay Account (to refund a credit card, for example).

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5. I only received one deposit - What should I do?

Some banks do lump the two small deposits together and instead show them as one deposit, but two deposits are always sent and what we will need to verify are the amounts of both deposits. If you call your bank and ask to speak to either the branch manager or the person who processes their incoming ACH file each day they will be able to give you the separate amounts of the two small deposits.

Here is a link to a web site where you can get the number for your bank's ACH department by entering your routing number:

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6. Is the Checking Account Validation required?

The validation process is not required to be able to process a credit card, send money to your checking account, or to use your Prepaid MasterCard Card. The validation is only necessary if you want to add funds to your ProPay Account from your checking account (for example, to refund a credit card).

However, when the validation process is successful, you can be assured that you have provided ProPay the correct routing and account numbers.

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7. I have changed my checking account information, can I validate my new account?

No. If you would like to complete the checking account validation for your new account, please contact ProPay Customer Service.

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8. I am not able to enter the amounts of the two deposits - What should I do?

Contact ProPay Customer Service if you have trouble or if you receive error messages when trying to complete the Checking Account Validation.

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