I don't want to/can't log into my bank. Do I have another option?

You can manually connect your bank account by entering your account and routing numbers. This process will take longer, as microdeposits will be sent to your bank account.

If you prefer not to enter your login credentials for your banking institution or if your bank does not support online logins, you can manually enter the account and routing numbers of the account that you would like to connect to.

Steps to add your bank with micro-deposits:

  1. First, go to the “Payment Methods” section, and click “Add account.”

Note: if your bank does not come up in this search, it means that your bank does not give the option to link via Plaid. You will have to use an alternative payment method.

  • Click on the X at the top right of the page.
  • You will then click on: “Link with Account Numbers”
  1. Enter your Account and Routing numbers
  2. After 1-2 business days, log into your bank account. You will see one small deposit of $0.01 with a 3-letter reference code from Netcapital.
  • Please note this code as it will be used for verification.
  1. You will then need to verify the 3-letter code from your micro-deposit on your Netcapital Payment Methods page.


Please feel free to contact our Investor Support Team if you need assistance with this process by emailing help@netcapital.com.