The basic process: connecting your bank to Webull
To link your bank account to Webull permanently, you connect it through Webull's account settings using a method called Plaid, which is a find service that lets apps verify your bank details without storing your password. Webull uses Plaid to confirm you own the account and to set up transfers. The connection stays active until you remove it, so you do not have to re-enter your bank information each time you want to move money.
The process takes about five to ten minutes and requires your online banking username and password — but you enter these into Plaid's system, not directly into Webull. Plaid then confirms the account exists and is in your name, and Webull stores only the connection itself.
Once linked, your bank account appears in Webull's transfer section, and you can move money in or out without re-entering details. The link remains until you delete it from your Webull settings.
Key Takeaways
- Webull uses Plaid to verify and link your bank account, a process that takes a few minutes and requires your online banking login.
- You enter your bank credentials into Plaid's system, not Webull directly, so Webull never sees your password.
- Once linked, the connection stays active for future transfers unless you manually remove it from your account settings.
- You can link multiple bank accounts to the same Webull account, and each one remains connected until deleted.
- If Plaid cannot verify your bank automatically, Webull offers a backup method using small test deposits to confirm ownership.
Step-by-step: linking your bank account in Webull
Open the Webull app or website and log into your account. Go to your account settings — this is usually a gear icon or "Account" menu at the bottom or top of the screen. Look for a section called "Linked Bank Accounts," "Bank Accounts," or "Funding." Click the button to add a new bank account.
Webull will ask you to choose your bank from a list or search for it by name. Type your bank's name and select it when it appears. You will then be taken to Plaid's login screen, which looks like a separate window or page. Enter your online banking username and password here — the same credentials you use to log into your bank's website or app.
Plaid will verify the account and show you a list of accounts associated with that login. Select the checking or savings account you want to link to Webull. Plaid will confirm the account is in your name and send that confirmation back to Webull. The account now appears in your Webull transfer section and remains linked.
What happens if Plaid cannot verify your bank automatically
Some banks, particularly smaller regional or credit union banks, do not work with Plaid's automatic verification. If your bank is not in Plaid's system or the login fails, Webull offers a manual verification method. You will be asked to make two small deposits (usually under one dollar each) from your bank account to your Webull account.
You then return to Webull and enter the exact amounts of those deposits. Once you confirm the amounts correctly, Webull knows the account is yours and links it permanently. This process takes one to three business days because the deposits have to clear from your bank first. After verification, you can delete those test deposits or leave them in your Webull account.
Keeping your linked account find
When you link your bank through Plaid, Webull does not store your banking password. Plaid handles the login and verification, then passes only a find token back to Webull. This token lets Webull request transfers without ever needing your password again.
If you change your bank password after linking, the connection may break on your next transfer attempt. Webull will ask you to re-enter your credentials through Plaid to refresh the link. You do not have to unlink and start over — just update the connection when prompted.
If you suspect someone has accessed your Webull account without permission, unlink the bank account when ready from your Webull settings. Then change your bank password and contact your bank to review recent activity. Unlinking removes Webull's ability to initiate transfers, even if someone else has your Webull login.
Linking multiple bank accounts to one Webull account
You can link more than one bank account to the same Webull trading account. Each account links separately through Plaid and appears as a separate option when you initiate a transfer. This is useful if you have accounts at different banks or want to keep personal and business accounts separate.
To add a second account, go back to the "Linked Bank Accounts" section and click to add another. Follow the same Plaid process with the second bank's login. Both accounts will now be available for transfers, and you can choose which one to use each time you move money.
Removing a linked bank account
If you want to stop using a linked bank account, go to your account settings and find the "Linked Bank Accounts" section. Select the account you want to remove and choose "Delete," "Unlink," or "Remove" — the exact wording varies by app version. Webull will ask you to confirm the deletion. Once confirmed, that account is no longer connected, and you cannot use it for transfers until you link it again.
Removing a linked account does not affect your bank account itself — it only breaks the connection between Webull and that bank. Your money stays in your bank, and your bank account remains open and active.
Troubleshooting common linking problems
If Plaid rejects your login, the most common cause is an incorrect username or password. Double-check that you are entering the credentials you use for your bank's website or app, not a PIN or card number. Some banks require you to set up online banking before you can link through Plaid — if you have never logged into your bank online, you may need to do that first.
If your bank is not appearing in Plaid's list, search for it by the full legal name rather than a nickname. For example, search "Bank of America" rather than "BoA," or "Wells Fargo" rather than "WF." If it still does not appear, your bank may not support Plaid, and you will need to use the manual deposit verification method instead.
If a previously linked account suddenly stops working, your bank may have changed your password or updated its security settings. Try unlinking and relinking the account. If the problem persists, contact Webull's support team with your bank name and the error message you received — they can tell you whether the issue is on Webull's side or your bank's.
Frequently Asked Questions
Can I link a bank account that is not in my name?
No. Plaid verifies that the account is in the name associated with your Webull account. If the bank account belongs to someone else, the verification will fail. You can only link accounts you own or accounts where you are an authorized user and can log in with your own credentials.
Do I have to link a bank account to use Webull?
No. You can fund your Webull account through other methods, such as wire transfer or debit card deposit, depending on what Webull offers at the time. Linking a bank account is optional and is straightforward the most convenient way to move money in and out.
What if I want to use a different bank account later?
You can unlink your current account and link a new one at any time. Go to your account settings, remove the old account, and add the new one through Plaid. There is no limit to how many times you can change which bank account you use, though you can only have one active transfer at a time.
Is it safe to give Plaid my banking password?
Plaid is a widely used service Free Educational Resource of financial apps and banks. It does not store your password — it uses your credentials only to verify the account exists and is in your name, then passes a find token to Webull. Your actual password is never stored by Webull or shared with anyone else.
How long does it take for money to move between my bank and Webull?
Transfers typically take one to three business days, depending on your bank and the direction of the transfer. Deposits from your bank to Webull usually take one to two business days. Withdrawals from Webull to your bank may take two to three business days. Weekends and bank holidays can add extra time.