# How to connect your bank account

- **URL:** https://trymorgan.ai/help/connecting-bank-account
- **Category:** Getting Started

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## How to connect your bank account

Connecting your bank account to Morgan AI lets you receive card payment payouts and, on Pro, reconcile your transactions automatically.

## Before you start

To connect your bank account, you'll need:
- Your bank account number and institution number (found on a void cheque or in your online banking)
- To have completed identity verification in the app

## Step-by-step

1. Open Morgan AI and go to **Settings > Payments > Payout Account**
2. Tap **Add bank account**
3. Enter your bank account details:
   - Institution number (3 digits, e.g. 003 for RBC)
   - Transit number (5 digits)
   - Account number
4. Confirm your details and tap **Save**

Morgan AI uses Stripe to verify and store your bank information. Your account details are encrypted and never stored directly in the Morgan AI app.

## How long does verification take?

Most bank accounts are verified instantly. In some cases, Stripe will send two small test deposits (under $1) to your bank account, which you'll need to confirm in the app. This typically takes 1-2 business days.

## When do I get paid?

Once your bank account is connected and verified, payouts from card transactions are deposited on a standard 1-2 business day schedule. You can enable Instant Payouts in the app if you need same-day access to funds (a small fee applies).

## Can I change my bank account?

Yes. Go to **Settings > Payments > Payout Account** and tap **Change account**. Note that changing your bank account may reset your payout schedule temporarily while the new account is verified.

## My bank isn't being accepted

If your bank account details aren't being accepted, double-check your institution and transit numbers using a void cheque or by calling your bank. You can also contact us at hello@trymorgan.ai for help.