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How Do I Change My Business Bank Account?

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Need to change the bank account you linked when you applied? You can make that change directly from your Account Summary. When you change your account, we’ll send you an email confirmation and ask that you verify the new bank account.

Linking your new bank account

Before you begin, make sure you have the routing number and account number of your new bank account, then follow these steps:

  1. Go to your  Account Summary and click the Bank Account link in the top navigation bar.

  2. Click Change Account.

  3. Enter your new bank account information, including the following:

    • Bank name

    • Routing number

    • Account number

4.Click Submit.

Note: Credit unions sometimes use a different account number for automatic transactions like ACH payments. If you have a credit union account, confirm that you have the account number for ACH deposits and withdrawals.

Verifying your new bank account

Once you link your new bank account, we’ll deposit and withdraw the same small amount (less than one dollar) from that account to confirm that we can both send and retrieve money. It will post to your bank account within four business days. Once it does, you’ll need to verify your account by following these steps:

  1. Note the amount that we deposited into and withdrew from your new bank account.

  2. Go to your Account Summary and click the Bank Account link in the top navigation bar.

  3. Click Verify Account.

  4. Enter the amount that we deposited into and withdrew from your new bank account in the Debit Amount field.

  5. Click Submit.

Additional Account Management FAQ

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For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

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