To pay bills or get paid using Bill.com, you must add a bank account to your Bill.com account. This article will help you add and manage your bank accounts.

Requirements:

• You should be a signer or have permission to authorize transactions on any bank accounts you add to your Bill.com account
• It must be a US based bank account
• Users you assign the default Administrator and Payer roles can add bank accounts.
• If you create custom roles for account users, you must select the Pay bills via Bill.com permission to allow them to add bank accounts.

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Jump to:

• Add a bank account with online banking
• Add a bank account manually
• Verify manual bank account entry with random deposit
• Verify your identity
• Invalid bank account notification
• Add a user to a bank account
• Remove a user from a bank account
• Set a bank account as default
• Automatically nominate administrator users to a verified bank account
• Change the name of a bank account
• Edit a bank account
• Inactivate a bank account
• Missing compliance data error
• Things to know

Managing your bank account in the mobile apps

Jump to:

• Add a bank account with online banking - iOS
• Add a bank account with online banking - Android
• Add a bank account manually - iOS
• Verify manual bank account entry with random deposit - iOS
• Add a bank account manually - Android
• Verify manual bank account entry with random deposit - Android
• Edit a bank account - iOS
• Edit a bank account - Android
• Archive a bank account - iOS
• Archive a bank account - Android

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Add a bank account with online banking

Adding your bank account using your online banking login credentials makes your bank account available for use immediately.

1. Click Settings in your Bill.com account
2. Click Bank Accounts under Your Company
3. Click Set up new bank
4. Click Continue
5. If prompted, complete the identity verification process
   • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
   • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
   • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
6. Click the bank name (or search for the bank)
   • Enter online banking login credentials and click Submit
   • If using Multi-Factor Authentication for online banking, follow the prompts
   • Click Continue
7. Select the accounts to use with Bill.com, adding the category (Business or Personal) and name on the account for each and click Continue
   • If required additional compliance information has not been filled out previously, this step will also include completing those fields
8. Click Get started

If you do not have the online banking credentials to add a bank through the online process, you can view the steps to add a bank manually in the next section below.

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Add a bank account manually

1. Click Settings in your Bill.com account
2. Click Bank Accounts under Your Company
3. Click Set up new bank
4. Click X to close the link your bank window
5. Click Use account and routing number
6. Enter bank account details and click Continue
7. If prompted, complete the identity verification process
   • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
   • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
   • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
8. Click the bank name (or search for the bank)
   • Enter online banking login credentials and click Submit
   • If using Multi-Factor Authentication for online banking, follow the prompts
   • Click Continue
9. Wait for the test transaction to post in 1-2 days then complete the verification below in the Verify manual bank account entry with random deposit section

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Verify manual bank account entry with random deposit

If you add a bank account to your Bill.com account manually, you will need to verify the bank account by entering the amount of the test transaction in Bill.com.

You must be logged in as the user who originally added the bank account to verify the test deposit. The test transactions will post the 1-2 business days after completing the verification process

If your test transaction fails, please see the Invalid bank account notification section.

1. In your to do list, click Finish bank account setup
2. Enter the amount of the test deposit amount to the bank account
3. Click Verify
   • If you do not see the to do list item, you can also access the verification screen from the bank account page.
4. Click Settings
5. Click Bank Accounts under Your Company
6. Click the bank to verify, showing a Pending status under verification status
7. Click Verify Account next to the pending verification status
8. Enter the amount of the test deposit/transaction that posted to your bank account
9. Click Verify
   

Notes:

• This only applies to advanced paid Bill.com accounts. Subscription free basic accounts will only receive a test deposit of 1 cent, which does not need manual verification, and will not be debited back from the bank account.
• The test transaction will be a deposit and a withdrawal for a random amount less than $1.00, netting to $0
• Check the bank account for the transaction amount of the deposit or the withdrawal, noted by the description line of the company name and Bill.com on the bank statement

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Verify your identity

The Identity Verification process is a security feature that protects our customers and their finances. We take the security of our customers' bank accounts very seriously, as well as having federally regulated due diligence we must complete when it comes to verifying identities and authorizing money movement for accounts.

How verification works

We’ll ask you a series of questions about you that only you know the answers to. These questions are based on information pulled from the public record.

• None of the information is saved but is simply used for verification
• Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
• Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
• You will have 3 attempts to verify your identity online

If the system is unable to verify your identity online, you'll be prompted to upload documents for manual identity verification.

If you are currently outside of the US but need to add a US bank account to your Bill.com account, or do not have a US public record history, we offer the option to verify your identity through documents.

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Invalid bank account notification

If a bank rejects an ePayment transaction or a test transaction when adding a bank account, the bank account is marked as invalid and inactivated in Bill.com. You will need to check the reason code by following the steps below, and re-add the bank once you have addressed the issue based on the reason code, or add a different bank.

Details for why a bank account was invalidated

1. Click Settings
2. Under Your Company, click Bank Accounts
3. Click the bank account number that displays Invalid under Verification Status
4. Hover over Details and click Audit Trail

The bank return code is displayed in the New Value field and often includes details explaining the code. This is the reason the bank provided for why the funds were rejected by the receiving bank.

We process ePayments via ACH (Automated Clearing House) and cannot deposit to some accounts. For example, we cannot deposit to accounts that do not accept ACH in CCD format. We send business bank to business bank files, which also work for personal accounts.

5 most common return codes

R01 - Insufficient Funds - the available balance is not sufficient to cover the dollar amount of the debit entry

R02 - Account Closed - a previously active account has been closed by customer or customer's bank

R03 - No Account/Unable to Locate Account - the account structure is valid and passes editing process, but does not correspond to individual or is not an open account.

R16 - The account and/or its funds are currently not available.

R29 - Corporate Customer Advises Not Authorized - RDFI has been notified by Receiver (non-consumer) that entry was not authorized.

If the bank return code reported isn't listed above or if you have questions regarding the return code displayed, please contact your bank's ACH department.

Add a user to a bank account

After your bank account is verified in your Bill.com account, you can nominate additional users to pay bills from that bank account in Bill.com. The nominated User must have the required Pay permissions, set by their Role, assigned prior to being nominated.

Roles with pay permissions include:

• Payers
• Administrators
• Custom roles with at least the Pay approved bills via Bill.com setting enabled

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Remove a user from a bank account

An authorized bank user can remove another user from bank access in Bill.com. This is useful for when an employee leaves the company or when a change in duties eliminates their need to access the bank account.

1. Click Settings
2. Click Bank Accounts under Your Company
3. Click the bank account number
4. Click Details and choose Authorized Users
5. Click Details under Authorization Status for the User whose access is being removed
6. Click Remove Access
7. Click Yes to confirm

Notes:

• This process does not delete the user from the Bill.com account.
  • The user will still be able to log in, but will no longer be able to use the bank account that they've been removed from
  • If the user is on more than one bank account, repeat the steps for each bank
• You must be an authorized user on the same bank account you are removing a user from, or the steps will not be available
• A user cannot remove himself from a bank account. To be removed, another bank User must complete these steps.
• If the only person with access to a bank account in Bill.com is no longer with the company, contact Bill.com Customer Support by clicking Contact us at the top of this page. After completing an account verification process, the bank account can be deactivated. A current user can then add the bank account again.

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Set a bank account as default

In Bill.com, you can add multiple bank accounts to send or receive payments. Only one bank account can be set as default for making payments, and only one bank account can be set as default for receiving payments. You can select different accounts for each, or the same account for both.

1. Click Settings
2. Click Bank Accounts under Your Company
3. Click the bank account number to set as default
4. Click Make Primary next to Default To Get Paid and/or Default To Pay

Note: If you have already scheduled payments using a different bank account, this will not update those scheduled payments to the new default bank. If you would like to change scheduled payments, you will need to cancel and reschedule.

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Automatically nominate administrator users to a verified bank account

A Bank Authorized User can set the bank account to automatically nominate current and new Administrator Users to a verified bank account:

1. Click Settings
2. Click Bank Accounts under Your Company
3. Click the bank account number
4. Click the edit icon
5. Check the box Automatically Nominate Admins
6. Click Save
   

Notes:

• Nominated Users will need to complete identity verification
• When a nomination is pending, an action item will be displayed to indicatr to Complete set up for bank
• When Automatically Nominate Admins is enabled, a new Administrator User added to the Bill.com account will automatically be nominated to use that bank account
• Users with roles other than Administrator can be nominated individually, so long as the role has Pay permissions

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Change the name of a bank account

You can edit the name of the bank after you add it. If you have multiple bank accounts in your Bill.com account, it may be easier to manage the bank accounts by using nicknames. Only an authorized User on that bank account may make a change to the bank name.

1. Click Settings
2. Click Bank Accounts under Your Company
3. Click the bank account number
4. Click the edit icon
5. For Bank Name, enter a name for the bank account (a nickname or other clear identifier)
6. Click Save

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Edit a bank account

Once you add a bank account to a Bill.com account, you can make limited changes:

• Remove a user from a bank account
• Set a bank account as default
• Change the name of a bank account
• Inactivate a bank account

You cannot edit the account or routing number, or delete the bank account information completely for auditing purposes. If you need to change the account or routing number, inactivate the bank account and re-add it.

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Inactivate a bank account

You must be verified on a bank account to inactivate it. You cannot delete the bank account information completely for auditing purposes, but rest assured, it cannot be used for payments once you have inactivated it.

1. Click Settings
2. Click Bank Accounts under Your Company
3. Click the bank account number
4. Click the trash can icon
5. Check the box and click Confirm

Payments in process

• Scheduled payments

  • When a bank account is inactivated, scheduled payments set to process from that bank account will be cancelled
  • If a payment that processed from a bank account inactivated from Bill.com needs to be voided and reissued:
    • If the bank account is still open, even if the account has been inactivated in Bill.com, the funds will be returned to the issuing bank account
    • If the bank account is no longer open, the attempt to return the funds will fail. Users authorized on that bank account will receive an email notification to contact Customer Support to let us know which bank account to redirect the funds to.
      • The bank account to redirect funds to must be active in the Bill.com account

• Receiving payments

  • Remittance information is locked when a payment processes, so when a new bank account is added to receive payments, any payments already in progress will continue as scheduled to the bank account that was set as Default To Get Paid at the time the payment was processed.
    • If that bank account is no longer active, the payment will fail and a new payment will need to be initiated.
    • Contact the person/business paying you to reinitiate the payment
  • Payments with process dates after the update will use the new bank information if the new bank is specifically chosen or if it is set as the Default To Get Paid

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Missing compliance data error

If you get the error below, it is due to missing information on the company profile.

To resolve:

1. Click Settings
2. Click Profile under Your Company
3. Click Edit
4. Fill out any empty fields
5. Click Save

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Things to know

• We'll send an email to all Administrator Users on the Bill.com account when a bank account is added
• Once your bank account is active/verified, any Bank Authorized User can nominate other users with pay permissions to be authorized to pay bills from the same bank account
• Only US-based bank accounts can be added in Bill.com
• There is no limit to the number of bank accounts that can be added
• A bank authorized user can update the default bank to pay and to be paid from the Bank Accounts page

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Managing your bank accounts in the mobile apps

Add a bank account with online banking - iOS

1. From the Home screen in your Bill.com app, tap the Options bars in the top left corner
2. Tap Settings
3. Tap Bank Accounts
4. Tap the plus sign (+) in the top right corner
5. If prompted, complete the identity verification process
   • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
   • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
   • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
6. Tap Verify instantly
7. Tap Continue
8. Tap your bank name to select, or search in the search bar if you don't see your bank listed
9. Enter your online banking login information, and tap Submit
   • You may be prompted to complete 2-step verification, depending on your bank
10. Tap Continue
11. Tap the account you'd like to add, and enter the Account Holder Name
12. Tap Finish

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Add a bank account with online banking - Android

1. From the Home screen in your Bill.com app, tap on the Options bars
2. Tap Settings
3. Tap Bank Accounts
4. Tap the plus sign +
   • If prompted, complete the identity verification process
     • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
     • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
     • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
5. Tap Verify instantly
6. Tap Continue
7. Tap your bank name to select, or search in the search bar if you don't see your bank listed
8. Enter your online banking login information, and tap Submit
9. Tap Continue
10. Tap the account you'd like to add, and enter the Account Holder Name
11. Tap Finish

If you do not have the online banking credentials to add a bank through the online process, you can view the steps to add a bank manually in the next section below.

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Add a bank account manually - iOS

If you do not have online banking login credentials, or you don't want to add a bank that way, you can add a bank account manually.

1. From the Home screen in your Bill.com app, tap on the Options bars in the top left corner
2. Tap Settings
3. Tap Bank Accounts
4. Tap the plus sign (+)
   • If prompted, complete the identity verification process
     • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
     • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
     • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
5. Tap Verify in 1-2 business days
6. Enter the details for the bank account - all fields are required
7. Tap Finish
8. Tap Confirm to confirm you have signing authority on the bank account
9. Tap I'm done
10. Wait for the test transaction to post in 1-2 days then complete the verification below in the Verify manual bank account entry with random deposit section

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Verify manual bank account entry with random deposit - iOS

1. In the Bill.com app, tap Finish setting up bank account xxxx
2. Enter the amount of the test transaction
3. Tap Verify

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Add a bank account manually - Android

If you do not have online banking login, or you don't want to add a bank that way, you can add a bank account manually.

1. From the Home screen in your Bill.com app, tap on the Options bars
2. Tap Settings
3. Tap Bank Accounts
4. Tap the plus sign +
   • If prompted, complete the identity verification process
     • The system will ask a series of questions to authenticate you. We don't save this information. We just use it for identification.
     • Be sure to use your personal information (full legal name, home address, etc.), as we are verifying your identity
     • Each user should complete their own verification, it is not advised to attempt the verification on behalf of another user
5. Tap Verify in 1-2 business days
6. Enter the details for the bank account - all fields are required
7. Tap Finish
8. Tap Confirm to confirm you have signing authority on the bank account
9. Tap I'm done
10. Wait for the test transaction to post in 1-2 days then complete the verification below in the Verify manual bank account entry with random deposit section

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Verify manual bank account entry with random deposit - Android

1. In the Bill.com app, tap Finish setting up bank account xxxx
2. Enter the amount of the test transaction
3. Tap Verify

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Edit a bank account - iOS

Once you add a bank account to a Bill.com account, you cannot edit or delete the bank account information completely for auditing purposes. You can only edit the select fields below:

• Bank Name
• Account Holder Name
• Default for payments in
• Default for payments out

If you need to edit the account or routing number, you will need to archive the account and re-add.

Edit a bank account:

1. From the Home screen in your Bill.com app, tap on the Options bars in the top left corner
2. Tap Settings
3. Tap Bank Accounts
4. Tap Edit on the bank you want to edit
5. Make the changes you'd like
6. Tap Done

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Edit a bank account - Android

Once you add a bank account to a Bill.com account, you cannot edit or delete the bank account information completely for auditing purposes. You can only edit the select fields below:

• Bank Name
• Account Holder Name
• Default for payments in
• Default for payments out

If you need to edit the account or routing number, you will need to archive the account and re-add.

Edit a bank account:

1. From the Home screen in your Bill.com app, tap on the Options bars
2. Tap Settings
3. Tap Bank Accounts
4. Tap Edit on the bank you want to edit
5. Make the changes you'd like
6. Tap Done

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Archive a bank account - iOS

1. From the Home screen in your Bill.com app, tap on the Options bars in the top left corner
2. Tap Settings
3. Tap Bank Accounts
4. Tap Archive on the bank account you want to archive
5. Tap Ok to confirm
   

Payments in process

• Scheduled payments

  • When a bank account is inactivated, scheduled payments set to process from that bank account will be cancelled
  • If a payment that processed from a bank account inactivated from Bill.com needs to be voided and reissued:
    • If the bank account is still open, even if the account has been inactivated in Bill.com, the funds will be returned to the issuing bank account
    • If the bank account is no longer open, the attempt to return the funds will fail. Users authorized on that bank account will receive an email notification to contact Customer Support to let us know which bank account to redirect the funds to.
      • The bank account to redirect funds to must be active in the Bill.com account

• Receiving payments

  • Remittance information is locked when a payment processes, so when a new bank account is added to receive payments, any payments already in progress will continue as scheduled to the bank account that was set as Default To Get Paid at the time the payment was processed.
    • If that bank account is no longer active, the payment will fail and a new payment will need to be initiated.
    • Contact the person/business paying you to reinitiate the payment
  • Payments with process dates after the update will use the new bank information if the new bank is specifically chosen or if it is set as the Default To Get Paid

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Archive a bank account - Android

1. From the Home screen in your Bill.com app, tap on the Options bars
2. Tap Settings
3. Tap Bank Accounts
4. Tap Archive on the bank account you want to archive
5. Tap Ok to confirm

Payments in process

• Scheduled payments

  • When a bank account is inactivated, scheduled payments set to process from that bank account will be cancelled
  • If a payment that processed from a bank account inactivated from Bill.com needs to be voided and reissued:
    • If the bank account is still open, even if the account has been inactivated in Bill.com, the funds will be returned to the issuing bank account
    • If the bank account is no longer open, the attempt to return the funds will fail. Users authorized on that bank account will receive an email notification to contact Customer Support to let us know which bank account to redirect the funds to.
      • The bank account to redirect funds to must be active in the Bill.com account

• Receiving payments

  • Remittance information is locked when a payment processes, so when a new bank account is added to receive payments, any payments already in progress will continue as scheduled to the bank account that was set as Default To Get Paid at the time the payment was processed.
    • If that bank account is no longer active, the payment will fail and a new payment will need to be initiated.
    • Contact the person/business paying you to reinitiate the payment
  • Payments with process dates after the update will use the new bank information if the new bank is specifically chosen or if it is set as the Default To Get Paid

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