How to link your bank and start investing!

Linking Major Banks:

If you do business with a major bank like Bank of America or Wells Fargo, it’s easy to link your bank account* in the app.

  1. Tap the Account icon in the bottom right corner.

  2. Tap Linked Bank Account

  3. Tap Add an Account

  4. Choose your bank from the list of major banks, or use the search bar to search for your bank.

  5. Enter your online banking username and password.

  6. Choose which account you'd like to link

Smaller Banks

If you don’t see your bank or credit union listed, you’ll need to verify your account manually.

  1. Tap the Account section on the app (the bottom right button).

  2. Tap Linked Bank Accounts

  3. Tap Add An Account

  4. Enter your institution name. If your financial institution does not appear, tap Link with Account Numbers.

  5. Enter your routing and account number

Once you've entered your account information, we initiate two temporary micro-deposits ($0.01 - $0.99) in the next 1-3 business days.

Once received, navigate to the Linked Accounts screen via the Account tab again and tap on your Unverified bank account

  1. Tap the Account icon in the bottom right corner.

  2. Tap Linked Bank Accounts

  3. Tap Verify

  4. Enter the two deposit amounts

These two small transfers are for the sole purpose of verifying your bank account and will be withdrawn when they expire.

Micro Deposit Errors

Linking your bank account manually can be a tricky process, and you may encounter one of these errors:

  • If you only see one micro deposit in your bank account, your bank is merging the two deposits together. Contact your bank or credit union to get the original amounts in chronological order.

  • If you don’t see the two small transfers after three days, verify that your account and routing numbers are correct. If your information is correct, your bank may be denied access to your bank account. Call your bank to authorize ACH transfers.

Please don’t initiate multiple micro deposit verifications within a short period of time. This could make it difficult to determine which deposits to verify.

​​If you have any questions about how Otis works or your Otis account, please don't hesitate to give our support team a shout on the app or via email at [email protected].

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