Setting Up or Updating Direct Deposit on the Website
This article applies to you if you have a Via Benefits reimbursement account, sometimes known as a Health Reimbursement Arrangement.*
Direct deposit allows Via Benefits to send your reimbursements directly to your checking or savings account, no paper checks required. It’s faster and more secure than mail, and it ensures you receive your payments even if you’re away from home.
Setting up direct deposit on the website doesn't require any forms or voided checks. You can set up or update direct deposit using the Via Benefits Accounts mobile app or website. For mobile app instructions, read Setting Up or Updating Direct Deposit on the Mobile App.
Note: If you are the Executor of Estate (EOE) for a deceased friend or loved one, contact us at 1-866-322-2824 (TTY: 711) if you need to update their direct deposit information.
Setting Up or Updating Direct Deposit
Note: If your account doesn’t match the steps shown below, read Set Up Direct Deposit in a Few Steps or Updating Your Direct Deposit Account on the Website.
If you encounter any issues validating your bank account, refer to the Resolving Issues section of this article.
To set up direct deposit on the website, follow these steps:
Sign in to viabenefitsaccounts.com.
Sign up with Via Benefits if you haven’t already.
On the Dashboard, select your name and then select Banking Information.
3. On the Profile page, select Add Bank Account.
Note: If you need to update your bank account, select Update Bank Account.
4. Select the account you want to update and select Continue. You’ll be directed to Mastercard’s Instant Bank Validation to update your bank account.
Note: To pass validation, the reimbursement account holder must be listed on the bank account.
5. A notification appears explaining that WTW (Via Benefits) uses Mastercard Data Connect to link your accounts. Select Next to continue.
6. Find your bank. Select it from the list provided or start typing your bank’s name in the search field.
Note: Before you give up on finding your bank:
Check for spelling errors.
Try limiting the amount of information you enter (e.g., Ohio vs Credit Union of Ohio).
Confirm the name of your bank. If it changed recently, it may be under the previous name.
If no results are found, go to the Bank Isn't Supported section for assistance with the process.
7. If you searched for your bank, select the correct bank from the list.
8. Select Next.
9. Review Here’s what you need to know, and then select Next. You’ll be directed to your bank account.
10. Enter the username and password for your bank account to securely connect to your account. Select Next to continue.
Notes:
If you aren't automatically transferred to the bank account authentication page, select Try again.
This is a one-time connection. Your bank account information isn't stored on our website.
If you get the Bank Account Not Updated: Invalid Credentials error, go to the Invalid Credentials section for assistance with the process.
11. Select Allow so Mastercard can have read access to your bank account.
Note: If you get the Bank Account Not Updated: Account Owner Mismatch error, go to the Account Owner Mismatch section for assistance with the process.
12. If you have multiple accounts, select the account to link for direct deposit and select Save.
Note: If you get the Bank Account Not Updated: Account Owner Mismatch error, go to the Account Owner Mismatch section for assistance with the process.
13. If the account is instantly validated, you’ll see a Success message confirming that your bank account has been updated. Select Done.
14. Your bank account shows as validated.
Resolving Issues
You may encounter issues when you are adding your bank account, such as:
Your bank is not supported for instant validation
Bank Account Not Updated: Account Owner Mismatch
Bank Account Not Updated: Invalid Credentials
This section tells you how to resolve these issues.
Bank Isn't Supported
Your bank may not be supported for instant validation. If this is the case, you will need to enter your bank account manually.
Complete the following steps to resolve this issue:
1. When you search for your bank in the Find your bank step, you won't get any results if your bank isn't supported for instant validation.
If no results are found, select the X in the upper-right corner to close the page.
2. Select Yes, exit.
3. On the Profile page, select Add Bank Account.
4. Select Update Your Bank Account Manually. Go to the Update Your Bank Account Manually section for assistance with the process.
Account Owner Mismatch
The Bank Account Not Updated: Account Owner Mismatch error occurs when the reimbursement account holder isn't listed on the account they are trying to update. If this error occurs twice within a single session, your account will be locked for 24 hours, and you will need to try again later.
Complete the following steps to resolve the issue:
1. The first time you get the error, select Try again.
2. Select Instant bank verification (preferred method).
Note: If you choose to Update Your Bank Account Manually, go to the Update Your Bank Account Manually section for assistance with the process.
3. Follow the steps above to add your bank account again.
4. If you get the error again, select Ok, Got It. Wait 24 hours, then try adding your bank account again.
Note: Verify your name is on the account before trying again.
5. If you select Add Bank Account too soon, you will get a Verification Unavailable error. Select Ok, got it, then try again later.
Invalid Credentials
The Bank Account Not Updated: Invalid Credentials error appears when the username or password entered for your bank account is incorrect. If this error occurs twice within a single session, your account will be locked for 24 hours, and you will need to try again later.
Complete the following steps to resolve the issue:
1. The first time you get the error, select Try again.
2. Select Instant bank verification (preferred method).
Note: If you choose to Update Your Bank Account Manually, go to the Update Your Bank Account Manually section for assistance with the process.
3. Follow the steps above to add your bank account again.
4. If you get the error again, select Ok, Got It. Wait 24 hours, then try adding your bank account again.
Note: Verify you are using the correct username and password before trying again.
5. If you select Add Bank Account too soon, you will get a Verification Unavailable error. Select Ok, got it, then try again later.
Update Your Bank Account Manually
Some issues may require that you update your account manually.
After selecting Update Your Bank Account Manually, complete the following steps to finish the process:
1. You'll need to verify your email address for security purposes. Select Request Code to begin.
Note: If you select the X in the upper-right corner of the page, you will be given the choice to Continue Verification or Cancel it.
2. You will receive an authorization code via email.
3. Enter the code in the Enter Code field and select Verify.
Note: If you didn't get the email, check your junk folder or Resend Code.
4. Once the verification is complete, provide your banking information, and then select Add Bank Account.
To pass validation, the reimbursement account holder must be listed on the bank account.
To set up a checking account, have your checkbook handy to obtain this information. For help locating your banking information, select the ‘?’ next to Account Number.
To set up a savings account, please verify your bank account and routing numbers with your financial institution.
Note: If your financial institution notifies you of an issue with your direct deposit, contact them to confirm your routing and account numbers, then update your information in your reimbursement account.
Your direct deposit takes effect once your banking information is validated. Validation takes three to five business days.
Read Direct Deposit for more information about maintaining direct deposit and receiving reimbursement payments.
*Via Benefits reimbursement accounts are administered by Extend Health, LLC.