Link Your Bank Account
Connect your checking account to Duti, step by step
Duti needs a linked checking account before you can fund your Duti Wallet or pay your circle. The connection runs through Plaid, a secure service that talks to your bank for you, so your bank login never touches Duti. It takes about five minutes. This guide covers every screen: where to start, each Plaid step, what to tick on your bank's own page, and the short verification wait at the end.
There are two ways in. Follow A if this is your first bank account. Follow B if you already have one linked and want to add another. Both lead to the same Plaid steps in Part 2.
First bank? Use the setup pop-up
Once your identity is verified, open Duti Wallet. If you don't have a bank linked yet, a Complete Your Setup pop-up appears on its own: “Your DutiWallet is Ready! Link a checking account to start making payments.” Tap Link Bank Account. If you tap “I'll do this later”, the pop-up comes back the next time you open Duti Wallet.
The setup pop-up appears automatically until you link a bank. Tap Link Bank Account.
Tap Connect Your Bank Account
The next screen reminds you that only checking accounts work. Savings accounts aren't supported. Tap Connect Your Bank Account to open Plaid, then continue with Part 2.
Checking accounts only. Tap Connect Your Bank Account.
Adding another bank? Start from Deposit
In Duti Wallet, tap Deposit, then tap your bank under From to open the account list. Tap Link Another Checking Account, then continue with Part 2.
Your linked banks are listed here. Link Another Checking Account starts a new connection.
Meet Plaid
A Plaid window opens: “Duti uses Plaid to connect your account.” Adding your phone number is optional. It only makes future connections faster. To skip it, tap Continue without phone number.
Your phone number is optional. Continue without phone number works fine.
Pick your bank
Tap your bank in the list. If you don't see it, type its name in the Search box. Choose the bank that holds your checking account.
Tap your bank, or search for it by name.
Review what's shared, then go to your bank
Plaid shows the boxes you'll need to tick once you're signed in at your bank: your checking account, account and routing number, account holder names, and profile information. Duti needs the account and routing number to move your payments by ACH. Tap Continue to log in. Your bank's own sign-in page opens in a new tab or window.
Remember this checklist. You'll tick the same items on your bank's page.
Sign in at your bank and approve
This part happens on your bank's own website or app, so it looks different for every bank. Duti never sees this page.
- Sign in with your usual online banking username and password.
- If your bank sends you a security code, enter it. That's your bank's normal security check.
- When your bank asks which accounts to share, tick your checking account. If nothing is ticked, the link fails or connects the wrong account.
- Tick the boxes for account and routing number, account holder names and profile information, and accept your bank's terms if asked.
- Tap the final button (for example, Connect, Allow or Share). You're sent back to Plaid automatically.
Finish in Plaid
Back in Plaid, you may be offered to “Connect faster next time” by saving your bank with Plaid. This is optional. Tap Finish without saving to skip it, and Plaid hands you back to Duti.
Saving with Plaid is optional. Finish without saving takes you back to Duti.
Let Duti finish setting up
You'll see “Bank account connected successfully!” while Duti finishes setting up your account. Keep the screen open until the spinner goes away. It only takes a few seconds.
Wait for “Finalizing your account setup” to finish.
Wait a few minutes for verification
Right after linking, Deposit shows “Accounts pending verification”. That's normal. Our payment partner checks the account in the background, and this usually takes a few minutes. Close the sheet and open Deposit again later. You can't make a deposit until verification finishes.
“Pending verification” right after linking is expected. Check back in a few minutes.
You're connected
Once verification finishes, Deposit shows your bank with its last four digits and its available balance. You're ready to fund your Duti Wallet and pay your circle.
Your bank and its balance show under From. You're all set.
Good to Know
Duti never sees your bank password
You sign in on your bank's own page. Your login goes straight to your bank through Plaid. Duti only receives secure tokens.
Checking accounts only
Payments move by ACH transfer, and savings accounts aren't supported. Link a checking account that you keep funded.
One account is enough
You only need one linked bank. You can add another later from the Deposit sheet (path B above).
Stuck on “inactive” or “pending” for hours?
Remove the account with the trash icon in the Deposit account list and link it again. If remove doesn't work, contact support and we'll sort it out with our payment partner.
Common Questions
Open Duti Wallet again and it reappears as long as you have no bank linked. You can also tap Deposit and start from there.
Yes. Plaid connects thousands of apps to banks and is built for exactly this. Duti receives secure tokens from Plaid, never your bank password.
That's your bank's own security check (two-factor verification), not something Duti or Plaid adds. Enter the code and continue.
An ACH transfer needs them to move your payments between your bank and your circle. They're on the checklist you review before signing in at your bank.
That's normal right after linking. Verification usually finishes within a few minutes. Open Deposit again later. If it's still pending after a few hours, contact support.
Banks expire connections from time to time as a security measure, and it doesn't mean anything went wrong. Follow the Reconnect Your Bank Account guide to refresh it in a couple of taps.