How do I manually verify an external account?

If you aren’t able to instantly verify an external account, it may be necessary for two (2) micro-deposits to be made into the external account that you have entered here, typically completed within 3-5 business days.

To verify the micro-deposits check your external account and note the two (2) micro deposit amounts

From Online Banking

Click on 'your name' in top right corner
Click Settings and click on the Verify button

From the Happen Bank Mobile App

Click on the gear icon in the top right corner and click on the Verify button

Enter the two (2) micro-deposit amounts from your external account. This will verify your ownership of the external account and it will become available for use in making external transfers.

Additional Money In FAQ

Happen Bank Resources

Best personal loan rates in 2026: How to compare lenders accurately

The best personal loan rate in 2026 isn't the one with the lowest advertised interest rate: it's the one with the lowest APR, which includes additional finance charges. APR (Annual Percentage Rate) is the only apples-to-apples comparison figure because it includes both the interest rate and any origination fee.

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Credit card consolidation loans: How to pay off multiple cards with one fixed rate

A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial1. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.

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Woman considers how many credit cards she should have.

Home improvement loans: How to finance your next project

The best home improvement loan depends on two things: how much equity you have and how quickly you need the funds. Homeowners with significant equity can access lower starting rates through a Home Equity Line of Credit (HELOC) or home equity loan, but closing costs and appraisal fees may narrow that advantage on mid-size projects. An unsecured personal loan requires no equity, no appraisal, and can be funded in days1 – at a fixed rate that won't move over the life of the project. Happen Bank offers eligible applicants a 1% interest rate discount on personal loans used for home improvement.

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HYSA vs CD: Which is right for your savings?

Both a high-yield savings account (HYSA) and a certificate of deposit (CD) outperform a traditional savings account.

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What investors need to know about the personal loan market

The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.

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Related Impact

It's Official—Radius Joins Happen Bank!

Today, we are thrilled to announce the completion of our acquisition of Radius Bancorp, Inc. (“Radius”). In February 2020, we announced our intent to acquire Radius and shared how we can grow and deepen our customer relationships with a marketplace bank.

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Related FAQ's

How do I link an external account?

Depending on the linking option you have selected, it may be necessary for two (2) micro deposits to be made into the external account that you have entered here, typically completed within 3-5 business days.

Small Business FAQ

Dec 31, 1969

less than a minute read

Do I give Happen Bank 100% of my paycheck?

You can allocate a specific percentage or dollar amount to be direct deposited into your Happen account, anywhere from 1-100% of your paycheck.

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Dec 31, 1969

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How do I use the Mobile Deposit feature?

You can deposit checks with the Happen Bank Mobile App! Here’s how...

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Dec 31, 1969

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What is a wire transfer and SWIFT code?

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers.

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Dec 31, 1969

less than a minute read

What is the incoming international wire process?

Please have your bank send a fed wire through their North American correspondent to:

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Dec 31, 1969

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Related Glossary

Revolving Credit

{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.

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Accrued Interest

{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.

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Annual Percentage Rate (APR)

{noun} The total annual cost to borrow money, including fees, expressed as a percentage.

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Charge-Off

A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.

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Fixed Interest Rate

{noun} An interest rate that remains the same for a set time, usually for the life of the loan.

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