How to Add or Change Your Linked Bank Account 

Your linked bank account is the primary bank account associated with your Keep account, used to make payments and settle any outstanding balances. 

If you need to add or change your linked account for payment purposes, follow the instructions in this guide to ensure a smooth process.

In This Article

1. Types of Changes You Can Make
2. How it Works
3. Frequently Asked Questions

Before You Get Started

To link a new bank account, ensure you have the following documents ready:

• A recent bank statement.
• A void check from the new bank account.

If you are replacing your current primary linked bank account and removing the previous one, you’ll also need to provide the most recent six months of bank statements from the new account for an underwriting review.

Once you have these documents prepared, follow the step-by-step guide below.

Types of Changes You Can Make

When updating your linked bank account, you have two options:

1. Add a New Bank Account: You can add an additional bank account as a payment method while keeping your current primary account.
2. Replace Your Primary Bank Account: You can replace your existing primary bank account with a new one. This change will require an underwriting review and may impact your credit limit. You can also replace your secondary account.

Steps to Add or Change Your Linked Account 

1. Contact the Payments Team
   Email payments@trykeep.com. In your email, include:

• Your company name.
• Current primary bank account details (if applicable).
• New bank account details (Bank ID, Transit Number, Account Number).
• Attach any required documents (bank statement, and a void check).

2. Specify Your Request Type
Indicate which of the following you’d like to do:

• Option 1: Add a Secondary Bank Account 

No underwriting is required to add the additional linked bank account. The new bank account will be added as an additional payment method.

• Option 2: I Want to Make My Secondary Account My Primary Linked Bank Account

No underwriting is required for this process. The new bank account will be added as the new primary account, the account you were underwritten with will still remain on file. 

• Option 3: I Want to Remove the Primary Linked Bank Account and Add a New One This option will initiate an underwriting review. Our team will evaluate the new account and send you an agreement to confirm the change.

3. Review and Sign the Agreement
You’ll receive a PAD (Pre-Authorized Debit) agreement that outlines the terms and conditions for using the new linked bank account. This document does not reflect your new credit limit but authorizes us to debit payments from the new account. Review and sign it to confirm the update.

4. Confirmation and Update
Once the agreement is approved, our Payments team will update your linked bank account. 

Frequently Asked Questions

1. What is a linked bank account?
   A linked bank account is the primary account used for payments and settling any outstanding balances with Keep. It’s also the account used for direct debits on your due dates.
2. Can I update my linked bank account through the Keep dashboard?
   Not yet. Currently, all requests to change a linked bank account must be handled through our Payments team at payments@trykeep.com.
3. Will adding a new bank account impact my credit limit?
   Adding a new bank account as an additional method will not affect your credit limit. Replacing the primary bank account, however, may adjust your credit limit after the underwriting review.
4. How long does it take to process a bank account change?
   Adding a new bank account can be completed within a few business days, while replacing the primary bank account may take longer due to underwriting evaluation.

Need More Help?

For further assistance or to check the status of your request, feel free to reach out to our Payments team at payments@trykeep.com or contact our support team at support@trykeep.com