How do I set up external transfers if Instant Account Verification (IAV) fails?

If Instant Account Verification fails while adding an external account, you can verify your external account manually using micro deposits.

Mobile

If you're using a mobile device, follow the steps below. For computers, go to the desktop steps

Navigate to Move Money, then Manage External Accounts.

Setting up external transfers manually using the mobile app, step 1

Select Manage. Your external account will show as Account Pending. Select it.

Setting up external transfers manually using the mobile app, step 2

Select the Input Manually button on the Manual Account Input tile

Setting up external transfers manually using the mobile app, step 1

Select the financial institution where you have your external account. If your institution isn’t displayed, Search to choose from a list of additional institutions.

Setting up external transfers manually using the mobile app, step 2

Enter the routing number, the account number for your external account. Give the account a nickname and choose the account type, and then Connect.

Setting up external transfers manually using the mobile app, step 3

Once you receive confirmation your request was accepted, monitor your account at the other institution to watch for two small trial deposits to post. These can take up to 3 business days.

Setting up external transfers manually using the mobile app, step 4

Once the trial deposits are posted to your account at the other institution, log in to digital banking.

On the External Accounts page, select the external account you wish to validate and tap Verify Account.

Setting up external transfers manually using the mobile app, step 5

Enter the two trial deposit amounts and select Verify.

Your external account will now display as Active and is ready to use.

Setting up external transfers manually using the mobile app, step 6

Once you have completed the setup of the external account, you will be able to select it for transfers and payments. Learn how to make a payment.

Setting up external transfers manually using the mobile app, step 7

Desktop

If you're using a computer, follow the steps below. For mobile devices, go to the mobile steps

Navigate to Move Money, then External Accounts and Manage. Your external account will show as Account Pending. Select it.

Setting up external transfers manually on desktop, step 1

Select Input Manually on the Add Account tile

Setting up external transfers manually on desktop, step 1

Select the financial institution where you have your external account. If your institution isn’t displayed, select Search for a financial institution to choose from a list of additional institutions.

Setting up external transfers manually on desktop, step 2

Enter the routing number, the account number for your external account. Give the account a nickname and choose the account type, select Connect.

Setting up external transfers manually on desktop, step 3

Once you receive confirmation your request was accepted, monitor your account at the other institution to watch for two small trial deposits to post. These can take up to 3 business days.

Setting up external transfers manually on desktop, step 4

Once the trial deposits are posted to your account at the other institution, log in to RCU digital banking.

On the External Accounts page, Manage tab, select the external account you wish to validate and select Verify Account.

Setting up external transfers manually on desktop, step 5

Enter the two trial deposit amounts and select Verify.

Your external account will now display as Active and is ready to use.

Setting up external transfers manually on desktop, step 6

Once you have completed the setup of the external account, you will be able to select it for transfers and payments. Learn how to make a payment.

Setting up external transfers manually on desktop, step 7