How do I link my bank account?

Automatically linking your bank account

Linking your bank account with your Happen account is simple and automatic. You’re the only one who sees your bank login information when you use this method—we never have access to it.

Once you've signed your Truth in Lending disclosure and the Borrower Agreement, you'll be asked to link your bank account.

To link your account automatically:

1. Click Link bank.

2. Click Continue to agree to link your bank account automatically.

3. Choose your bank, or search for it if you don't see an icon for it.

4. Enter the username and password you use to log into your bank, then click Submit. (Note: Some banks may have you confirm your identity by answering a security question or entering a code they email or text to you.)

5. Choose the account you want to link to your Happen account.

6. Enter your name as it appears on your bank account.

7. Click the button to confirm you want payments withdrawn automatically. Or, if you'd rather make your monthly payments by check, click Pay by check instead, then choose check payments.

8. Click Submit.

When you link your bank account automatically, only you will see your bank login information. We’ll never have access to it.

Manually linking your bank account

If you’d rather manually link your account, you can follow these simple steps:

1. Click Manually enter bank details at the bottom of the page.

2. Enter your name as it appears on your bank account.

3. Enter your bank name.

4. Choose whether the bank account is a checking or savings account.

5. Enter your routing and account numbers. (For checking accounts, these are at the bottom of your checks.)

Note: Some credit unions use a different account number for automatic transactions. If you want to use a credit union account, confirm that you have the account number for ACH deposits and withdrawals.

1. Confirm your account number.

2. Click the button to confirm you want your monthly payments withdrawn electronically. Or, if you'd rather pay by check each month, click Pay by check instead, and choose check payments.

3. Check the box that lets us link your bank account.

4. Click Submit.

If you have any trouble linking your bank account, feel free to contact us. We’re happy to help.

Verifying your bank account

You will need to verify the bank account that’s linked to your Happen account. We will initiate an electronic debit and a credit for the same amount (less than one dollar) from that bank account, which will post to the account within four business days.

To verify your bank account:

1. Check your bank account online, by phone, or at a branch to determine the small amount Happen Bank has withdrawn and deposited to your account.

2. Sign in to your Happen account Summary.

3. In the To-Do List, click Verify Account.

4. In the Debit Amount field, enter the amount that was withdrawn and deposited to your bank account, then click Submit.

Once you have successfully verified your bank account, a checkmark will appear next to that task in your To-Do List.

If you have trouble verifying your bank account, please call 888-569-3157.