How do I change my bank account?

2 min read

You can go online anytime to add or change what bank accounts are linked to your Happen account. You can set up a bank account for autopay or to make easy one-time payments. After you add a new bank account, we’ll send an email asking you to confirm it. 

Automatically link your new bank account

Linking your bank account to your Happen account is simple. When you automatically link an account, you're the only one who sees your bank login information—we never have access to it. 

  1. Sign into your Member Center and click Settings. 

  2. Click  Payment Methods, then click Add New Account.

  3. Click Link Your Bank.

  4. Choose your bank from the list. (Note: If your account doesn’t appear on the list, you can manually link your account. See the next section for details.)

  5. Enter the username and password you use to sign into your bank account online, then click Submit. (Note: Some banks may confirm your identity through a security question or a code they’ll email or text you.)

  6. Choose the bank account (for example, checking or savings) you want to link.

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

  8. Select the box to authorize your account for automatic payments.

  9. Click Submit.

After you finish these steps, look for an email with instructions to confirm your bank account. It can take a few minutes for the email to arrive in your inbox. 

Manually link your bank account

To manually link your bank account to your Happen account:

  1. Sign into your Member Center and click Settings.

  2. Click  Payment Methods, then click Add New Account.

  3. Click It’s OK, I’m not in a hurry.

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

  5. Choose whether the account you want to link is a checking or savings account.

  6. Enter your bank name, routing number, and bank account number. 

    For checking accounts, these are at the bottom of your checks:

    Once you link your new bank account, we’ll send a test deposit and debit within four business days. The test transactions will be for an amount of less than $1. 

    Note:  Credit unions sometimes use a different account number for automatic transactions. If the account you’re connecting is with a credit union, confirm with them that it’s the account number for ACH deposits and withdrawals.

  7. Under Setup Autopay, select the box if you’d like to use this account to set up autopay on any accounts you have with Happen Bank.

  8. Select the box that authorizes Happen Bank to link to your bank account.

  9. Click Verify Account.

Change the account you use for autopay

To change your autopay account: 

  1. Sign into your Member Center and click Settings.

  2. Click Payment Methods, then for the account listed as Autopay is on, click Change.

  3. In Update your autopay settings, select the account you’d like to switch to for autopay.

  4. Click Update.

     

Additional Account Management FAQ

Keep more of what you earn and earn more on what you save.
Checking your rate won’t impact your credit score.2
Keep more of what you earn and earn more on what you save. Privacy & Security

Happen Bank Resources

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For Personal Loans, APR ranges from 5.96% to 35.99% including origination fee. Most origination fees range from 0% to 8% of the loan amount. Origination fee may be higher for applications submitted through or referred by select partners. APRs and origination fees are determined and disclosed at the time of application. The lowest APR and origination fee 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. Origination fee may be referred to as processing fee for certain products. Advertised rates and origination fees are valid as of November 5, 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. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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