Your first Keep secured card deposit

To start using your Keep secured card, you’ll first need to add a security deposit using your linked bank account. This deposit sets your card’s available spending limit.

This article explains how the deposit process works, what to expect, and how to troubleshoot if your deposit isn’t successful.

Before you get started

Here’s what to know before adding your deposit:

You’ll use the verified bank account you linked during your application to make your deposit.
You can deposit any amount between $50 and $5,000.
Your deposit is fully refundable if you close your account and have no outstanding balance.

How the deposit process works

When you set up your Keep secured card, you’ll add a one-time security deposit from your linked bank account. This deposit determines your card’s available spending limit.

You can choose any deposit amount between $50 and $5,000. Only bank accounts you linked during your application can be used to add your deposit.

Adding your deposit for your Keep secured card takes just a couple of simple steps:

1. Enter your deposit amount
You’ll be prompted to add your security deposit. Enter the amount you’d like to deposit, or select from quick options.

2. Choose your linked account
Select the verified bank account you want to use. If you need to update your bank account, contact support@trykeep.com before continuing.

What happens after you add your deposit

Once your deposit is submitted:

You’ll receive an email confirming your deposit is processing.
The status of your deposit will update in real time in your Keep dashboar

Here’s what you’ll see:

Deposit in progress — Your payment is being processed. This typically takes 3–4 business days.
$50 CAD available immediately — The first $50 of your deposit is available to use right away, as soon as you initiate the deposit.

If your payment fails

In some cases, deposits may not go through—for example, if your bank account doesn’t have enough funds or there’s an issue with the bank.

If this happens:

You’ll see a message in your Keep dashboard letting you know your deposit couldn’t be collected.
You’ll also receive an email notification.

How to resolve it:

Try again — Follow the instructions to retry your deposit. You can use the same bank account or another one that’s already connected to Keep.
Need to use a different account? — If you want to use an account that’s not yet connected, contact support@trykeep.com before retrying.

Frequently asked questions

Why can’t I use a different bank account?
For security reasons, only the bank accounts you linked to Keep during your application can be used to fund your card. If you need to update your account, contact support@trykeep.com.

How long does it take for my deposit to be available?
$50 of your deposit is available to use immediately. The remainder is typically available within 3–4 business days after your transfer clears.

Can I change my deposit amount?
Yes, if your deposit fails, you can retry with a new deposit amount (between $50 and $5,000).

Is my deposit refundable?
Yes, your deposit is fully refundable if you close your account and have no outstanding balance.

Need more help?

If you have any questions or need assistance with funding your Keep secured card, reach out to us at support@trykeep.com. We’re here to help!