Yes, you can change the checking account linked to your Irving Rewards account, but the process and timing depend on whether you're switching banks or just updating account details at the same bank.

If you're updating to a different account number at your current bank—because you closed an old account and opened a new one, for example—you can usually make that change yourself through your Irving Rewards online dashboard or mobile app. Look for "Account Settings" or "Payment Methods" and select the option to update your linked account. The change typically takes effect within one to three business days.

If you're switching to a completely different bank, the process is more involved. Irving Rewards will need to verify the new account before points or rewards can post to it, and any pending transactions tied to your old account may need to clear first. You'll need your new account's routing number and account number, and you should contact Irving Rewards directly to confirm they've received and processed the change before making any large purchases.

Key Takeaways

  • Updating to a new account at the same bank usually takes one to three business days and can be done through your online account settings.
  • Switching to a different bank requires you to contact Irving Rewards directly and may take five to seven business days for verification.
  • Any rewards or points pending on your old account will post there, not to your new account, so check your balance before you switch.
  • You will need your new bank's routing number and your account number to complete the change.

Updating Your Account at the Same Bank

If you're staying with your current bank but need a new account number—because you closed an old checking account, upgraded to a premium account, or had fraud on the old account—you can make this change without calling anyone. Log into your Irving Rewards account online or open the mobile app, go to "Account Settings" or "Linked Accounts," and select "Edit" or "Update Payment Method." Enter your new account number and confirm it matches the name on your Irving Rewards profile.

The system will usually verify the new account by running a small test deposit or by matching the account holder's name to your profile. Once verified, rewards and points will begin posting to the new account. This typically happens within one to three business days. During this window, avoid making large purchases or relying on points to post when ready, because the old account may still be active in the system.

Switching to a Different Bank

Changing to an account at a different bank is slower because Irving Rewards has to verify that the account exists and belongs to you. You cannot do this through self-service settings. Instead, contact Irving Rewards customer service by phone or through your online account message center and tell them you want to link a new bank account. Have your new routing number and account number ready.

Irving Rewards will ask you to confirm your identity and may send a verification code to your phone or email. Once you've verified, they'll add the new account to your profile. The bank will then run a verification check, which can take five to seven business days. During this time, your old account remains linked, and any rewards or points will still post there. Do not close your old bank account until Irving Rewards confirms the new account is active and you've received at least one deposit to it.

What Happens to Rewards Already Earned

Any points or cash rewards that were already posted to your old account stay there. They do not automatically transfer to your new account. If your old account is still open, you can leave the rewards there and use them later, or you can contact your bank to transfer the balance to your new account. If you've already closed the old account, contact Irving Rewards when ready—they may be able to help you recover the balance, but this depends on how long ago the account closed and whether your bank still has records.

Rewards that are still pending (not yet posted) will post to whichever account is linked at the time they post. If you change your linked account mid-cycle, some pending rewards may go to the old account and some to the new one. Check your Irving Rewards transaction history before you switch to see which rewards are still pending.

If Your Old Account Was Closed or Frozen

If your old checking account was closed by the bank or frozen due to fraud, contact Irving Rewards as soon as possible. Explain what happened and provide your new account details. Irving Rewards may be able to flag your profile so that any pending rewards are held or rerouted to your new account instead of being rejected by the closed account.

If rewards were already sent to a closed account, they may be returned to Irving Rewards as undeliverable. In that case, Irving Rewards should credit them back to your account or hold them for you to claim. This process can take two to four weeks, so follow up in writing (through your online message center or email) to create a record of your request.

Timing and What to Expect

The speed of your account change depends on the type of switch. Same-bank updates are fastest: one to three business days. Different-bank switches take five to seven business days for verification, plus another one to two business days for the first reward to post and confirm the account is working. During the verification period, your Irving Rewards account will show both the old and new accounts linked, which can be confusing—this is normal and temporary.

If your change takes longer than expected, check your email and phone for any verification messages from Irving Rewards or your new bank. Sometimes the verification fails silently if the account number was entered incorrectly or if the account holder's name doesn't match your Irving Rewards profile exactly. Contact Irving Rewards to confirm the status rather than waiting.

Frequently Asked Questions

What if I enter the wrong account number?

Irving Rewards will catch most errors during verification—the system checks that the account number matches the routing number and that the account holder's name is on file. If you realize you made a mistake before verification completes, go back to your account settings and correct it. If verification already failed, contact Irving Rewards to remove the incorrect account and start over.

Can I have rewards go to two different accounts at once?

No. Irving Rewards links to one checking account at a time. All rewards and points post to that single account. If you want to split rewards between accounts, you would need to change the linked account periodically, but this is impractical and not recommended because pending rewards may post to the old account.

Do I lose my Irving Rewards points if I change my account?

No. Your points and rewards balance stays with your Irving Rewards account, not with your checking account. Changing your linked bank account does not affect your points balance. However, any rewards that were already deposited into your old checking account stay in that bank account, not in your Irving Rewards account.

How long does it take for rewards to post after I change my account?

Once your new account is verified and active, rewards should post on the same schedule as before—usually within one to three business days of a purchase. The first reward after you switch may take slightly longer because the system is confirming the new account is working. If rewards don't post within five business days, contact Irving Rewards.

What if my new bank rejects the verification deposit?

Some banks flag small verification deposits as suspicious and reject them. Contact your new bank's fraud department and tell them to expect a deposit from Irving Rewards. Once the bank clears it, go back to your Irving Rewards account settings and request verification again. If the problem persists, call Irving Rewards customer service and ask them to try a different verification method.