1. Documentation /
  2. WooPayments Documentation /
  3. WooPayments: Deposits /
  4. Instant deposits with WooPayments

Instant deposits with WooPayments

WooPayments provides a way for eligible accounts to request an instant deposit of some or all of the account balance. After requesting an instant deposit, the money will arrive within minutes instead of days. Instant deposits can also be initiated any time.

Instant deposits are subject to additional fees. Please see our fees page for details.

NOTE: Participation in optional WooPayments features, such as instant deposits, is at the sole discretion of the WooCommerce team. Your account’s eligibility may differ from the above requirements.

Eligibility requirements

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To be eligible to request an instant deposit, your account must meet the following criteria:

  • Based in the U.S.
  • More than 90 days old.
  • Processed more than $1,000 during the last 90 days.
  • Under 1% of transactions disputed in the last 90 days.
  • Use either of the following options as the primary means of receiving deposits from your account:
    1. A verified bank account
    2. A debit card

NOTE: When you first meet the eligibility requirements for instant deposits, you will receive an email notification from us.

Instant deposits outside of the U.S.

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If you would like instant deposits to be available for supported countries outside of the U.S., please submit a (or vote for an existing) feature request here.

The feature request portal is where the development team goes to look for future features and improvements.

Request an instant deposit

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To request an instant deposit:

  1. Go to Payments > Overview in your admin dashboard.
  2. Click the Deposit available funds button in the top section.
  1. View details about your instant deposit, such as:
    • The amount you have available for instant deposit.
    • What the net deposit amount will be after instant deposit fees are deducted.
  1. Click Deposit now to initiate the instant deposit.

If the Deposit available funds button is visible in Payments > Overview, but appears disabled, then the balance may not be within the deposit limits explained below.

NOTE: Instant deposits are defined by the deposit amount and are not linked to specific transactions. As a result, transaction details for instant deposits are unavailable.

Deposit limits

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Unlike scheduled deposits, there is both a minimum and maximum deposit amount that can be processed through an instant deposit.

  • The minimum instant deposit amount is $50 USD.
  • The maximum instant deposit amount can be up to $1,000 USD.

If the minimum instant deposit amount has not been reached, or if the maximum limit has been exceeded, the Deposit available funds button will be disabled.

NOTE: Only one instant deposit can be requested per day.

Instant deposit accounts

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Instant deposits can be made to a verified bank account or a debit card. This section focuses on how to add these deposit methods to your WooPayments account.

NOTE: If multiple accounts are in use for deposits, instant deposits will only be paid out to the default account.

Add a verified bank account as a deposit method

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As of March 14, 2024, eligible merchants can accept instant deposits if they onboarded with a verified bank account. Bank account verification uses a combination of automated and manual processes to confirm that the bank account used is tied to the individual or entity that owns the WooPayments account.

If verification of your bank account cannot be completed for any reason, you may be asked to provide one of the following documents to help verify your bank account:

  • A bank account statement
  • A bank letterhead
  • A voided check

Once this information is provided, it will be manually reviewed by our partners at Stripe to ensure that the bank details match those on the WooPayments account. This manual process may take several days.

Add a debit card as a deposit method

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To add a debit card, follow the instructions on this page for changing your deposit method, being sure to use a debit card instead of a bank account.

Bank support of instant deposits

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Nearly 6,000 banks in the U.S. support instant deposits. You can find a some information about bank supportability for instant deposits below.

List of banks that support instant deposits to verified bank accounts.
  • 1st Source Bank
  • 4Front Credit Union
  • AlaTrust Credit Union
  • American Bank & Trust Company Inc
  • American National Bank & Trust Co
  • American National Bank
  • Anderson Brothers Bank
  • Arthur State Bank
  • Associated Credit Union of Texas
  • Avidia Bank
  • Bangor Savings Bank
  • Bank Independent
  • Bank of America
  • Bank of Clarkson
  • Bank of Lexington Inc
  • Bank of New York Mellon
  • Bank of San Francisco
  • Bank Star
  • BankChampaign NA
  • BankNewport
  • BankProv
  • Banner
  • Bar Harbor Bank and Trust
  • Barrington Bank & Trust Company, NA
  • Bay Bank
  • BayCoast Bank
  • Bayer Heritage Federal Credit Union
  • BCB Community Bank
  • Bellco Credit Union
  • Bethpage Federal Credit Union
  • Beverly Bank & Trust Company, NA
  • Black Hills FCU
  • Blue Ridge Bank NA
  • BMI Federal Credit Union
  • BMO Harris Bank
  • Bravera Bank
  • Brenham National Bank
  • Bridge Community Bank
  • Bristol County Savings Bank
  • Bryant Bank
  • Builtwell Bank
  • Busey Bank
  • Campus USA Credit Union
  • Cape Cod Five Cents Savings Bank
  • Capital One National Association
  • Carrollton Bank
  • Carthage Federal Savings & Loan
  • Carvers Federal Savings Bank
  • Cashmere Valley Bank
  • CBW Bank
  • CBI Bank & Trust
  • Centreville Bank
  • Century Bank
  • Chain Bridge Bank NA
  • Charlotte State Bank & Trust
  • Chelsea Groton Bank
  • Chesapeake Bank
  • Chevron Federal Credit Union
  • ChoiceOne Bank
  • CIBM Bank
  • Citadel Federal Credit Union
  • Citibank NA
  • Citizens Bank NA
  • Citizens Bank of Americus
  • Citizens Bank of Wisconsin
  • Citizens National Bank
  • Citizens State Bank
  • Citizens State Bank of New Castle
  • City Bank
  • CNB Bank
  • Coastal Community Bank
  • Coastal Heritage Bank
  • Comerica Bank
  • Commercial Bank of California
  • Community Bank of the Bay
  • Community Bank of Mississippi
  • Community Financial Credit Union
  • Community First Bank
  • ConnectOne Bank
  • Consolidated Federal Credit Union
  • Consumers Cooperative Credit Union
  • Core Bank
  • Cornerstone Bank
  • Corner Stone Credit Union
  • Corporate America Credit Union
  • Corporate One Federal Credit Union
  • Crane Credit Union
  • Credit Union of Georgia
  • Credit Union of Texas
  • Crews Bank & Trust
  • Cross River Bank
  • Crystal Lake Bank & Trust Company, NA
  • Dallas Capital Bank NA
  • Desco Federal Credit Union
  • Dogwood State Bank
  • Dow Credit Union
  • Eagle Bank
  • Eagle Louisiana Federal Credit Union
  • Eastern Michigan Bank
  • Edmonton State Bank
  • Embers Credit Union
  • Embold Credit Union
  • Endeavor Bank
  • Englewood Bank & Trust
  • ESL Federal Credit Union
  • Essex Savings Bank
  • ETrade
  • Fall River Five Cents Savings Bank
  • Farmers State Bank
  • Farmers National Bank
  • Farmers & Merchants Bank (Salisbury)
  • Farmers & Merchants Bank (Timberville)
  • Farmers & Merchants Bank of Central California
  • Field & Main Bank
  • Fifth Third Bank
  • First American Bank & Trust Company
  • First Internet Bank of Indiana
  • First Bank (Clewiston)
  • First Bank (Creve Couer)
  • First Bank (Kansas)
  • First Bank and Trust Company
  • First Bank of Manhattan
  • First Central State Bank
  • First Commonwealth Bank
  • First Community Bank (VA)
  • First Community Bank (TX)
  • First Fidelity Bank
  • First Financial Bank
  • First Midwest of Dexter
  • First Midwest of Poplar Bluff
  • First National Bank
  • First National Bank in Philip
  • First National Bank of Coffee County
  • First State Bank
  • First State Bank & Trust Company Inc
  • First State Bank of Middlebury
  • First State Community Bank
  • FirstBank
  • Flint Community Bank
  • Florence Bank
  • Florida Capital Bank
  • Founders Bank
  • Franklin First Federal Credit Union
  • Gather Federal Credit Union
  • Germantown Trust & Savings Bank
  • Glenwood State Bank
  • Glenwood State Bank
  • Goldenwest Federal Credit Union
  • Goldman Sachs Bank USA
  • Gorham Savings Bank
  • GreenState Credit Union
  • Habib American Bank
  • Hawthorn Bank
  • High Plains Bank
  • Hinsdale Bank & Trust Company, NA
  • HSBC Bank USA NA
  • Hudson Valley Credit Union
  • Huntington National Bank
  • Incredible Bank
  • INTRUST Bank
  • Ion Bank
  • Iowa State Bank and Trust Company
  • Isabella Bank
  • Jackson Area Federal Credit Union
  • Jacksonville Firemen Credit Union
  • John Marshall Bank
  • Jonesburg State Bank
  • JPMorgan Chase
  • Kearny Bank
  • KEB Hana Bank USA, NA
  • Keybank National Association
  • Keystone Bank
  • Kimberly Clark Credit Union
  • Kitsap Bank
  • Lakeside Bank
  • Lake Forest Bank & Trust Company, NA
  • Liberty National Bank
  • Libertyville Bank & Trust Company, NA
  • Logix Federal Credit Union
  • Los Angeles Federal Credit Union
  • Lowry State Bank
  • M&T Bank
  • MA Bank
  • Maple City Savings Bank, FSB
  • Maquoketa State Bank
  • Marine Bank and Trust Company
  • Maspeth Federal Savings and Loan Association
  • Meade County Bank
  • Meadows Bank
  • Members 1st Federal Credit Union
  • Meredith Village Savings Bank
  • Merrimack County Savings Bank
  • Michigan State University FCU
  • Middletown Valley Bank
  • MidFirst Bank
  • Monticello Banking Company
  • Morgan Stanley Private Bank NA
  • MVB Bank Inc
  • MyPoint Credit Union
  • Nano Banc
  • National Grand Bank of Marblehead
  • NBT Financial
  • Newtown Savings Bank
  • New Valley Bank & Trust
  • Northbrook Bank & Trust Company, NA
  • North Country Savings Bank
  • North Shore Bank, a Co-operative Bank
  • North State Bank
  • Northeast Bank (Minnesota)
  • Northeast Bank (Maine)
  • North American Banking Company
  • Numerica Credit Union
  • Oak Valley Community Bank
  • Ocean Bank
  • Ohnward Bank & Trust
  • Old Missouri Bank
  • Old Plank Trail Community Bank, NA
  • Omni Community Credit Union
  • OneUnited Bank
  • One Florida Bank
  • Origin Bank
  • Oxford Bank
  • Pacific National Bank
  • Pacific Service Credit Union
  • Palisades Federal Credit Union
  • Paragon Bank
  • Partner Colorado Credit Union
  • Peapack-Gladstone Bank
  • Pegasus Bank
  • Peoples Bank
  • Peoples Bank of Alabama
  • Peoples National Bank
  • Peoples State Bank
  • Pioneer Bank
  • PNC Bank NA
  • Profinium, Inc.
  • Range Bank
  • Reading Co-Operative Bank
  • Regions Bank
  • Relyance Bank
  • River City Bank Inc
  • RockPoint Bank NA
  • Royal Bank
  • Saint Tammany Federal Credit Union
  • Savings Bank of Walpole
  • Schaumburg Bank & Trust Company, NA
  • Security Bank of Kansas City
  • Security Federal Bank
  • Shell Federal Credit Union
  • Signature Bank
  • Silicon Valley Bank
  • SmartBank
  • Southern Michigan Bank and Trust
  • Southwest Missouri Bank
  • Southwest National Bank
  • Space Age Federal Credit Union
  • Space Coast Credit Union
  • State Employees Credit Union of Maryland
  • St. Charles Bank & Trust Company, NA
  • State Bank of the Lakes, NA
  • Suma Yonkers Federal Credit Union
  • Sunnyside Federal S&L
  • TD Bank NA
  • Texas Bank and Trust Company
  • Texas Community Bank
  • The Bancorp Bank
  • The Bank of Advance
  • The Central Trust Bank
  • The Commercial National Bank of Brady
  • The Cornerstone Bank
  • The Dart Bank
  • The Dime Bank
  • The Neffs National Bank
  • Third Coast Bank SSB
  • Thomaston Savings Bank
  • Tinker Federal Credit Union
  • Town and Country Bank
  • Town Bank, NA
  • Truist Bank
  • Truity Federal Credit Union
  • TruMark Financial Credit Union
  • UMB Bank
  • Umpqua Bank
  • UNCLE Credit Union
  • United Bank of Iowa
  • United Texas Bank
  • Universal City Studios Credit Union
  • University Credit Union
  • US Bank NA
  • Utah First Federal Credit Union
  • VA Desert Pacific FCU
  • Ventura County Credit Union
  • Veridian Credit Union
  • Veritex Community Bank
  • Village Bank
  • Village Bank & Trust, NA
  • Visions Federal Credit Union
  • Volunteer Federal Savings Bank
  • Washington Savings Bank
  • Wauchula State Bank
  • Wells Fargo
  • Wells River Savings Bank
  • West Point Bank
  • West Shore Bank
  • Westside State Bank
  • WestStar Bank
  • Wheaton Bank & Trust Company, NA
  • Winter Park National Bank
  • Wintrust Bank, NA
  • Zions Bancorporation
List of banks that do not support instant deposits for debit cards.
  • Aba Card Solutions, Inc.
  • Banco Coomeva S.A.
  • Banco Popular De Puerto Rico
  • Barrington Bank & Trust Company National Association
  • Brenham Natl Bank
  • Calvin B Taylor Banking
  • Citizens Bank Swainsboro
  • Cornercard Uk Ltd
  • Dcb Bank Limited
  • First Century Bank National Association
  • Firstmerit Bank National Association
  • Florida Capital Bank National Association
  • Heartland Bank
  • HSBC Bank USA, National Association
  • J.P. Morgan Europe Limited
  • Ky W Va Gas Co. Employees Federal Credit Union
  • Madison County Bank
  • Mb Financial Bank National Association
  • Mwabank
  • Northbrook Bank & Trust Company
  • Ravalli County Federal Credit Union
  • Republic Bank
  • Republic Bank of Chicago
  • Sunrise Banks National Association
  • Target Bank
  • The Bank & Trust
  • Tib The Independent Bankersbank
  • Wesbanco Bank Inc.