Unlock a Business Bank Account
If your business bank account gets locked, Expensify pauses reimbursements and payments to prevent errors. You’ll need to unlock the account before you can use it again for any financial activity.
Unlock a Business Bank Account
Why a business bank account may get locked
Bank accounts may be locked after a failed debit attempt or a bank-side restriction. Common reasons include:
- Insufficient funds at the time of reimbursement
- Your bank blocked the debit attempt
- Your account isn’t enabled for ACH direct debits
When this happens, you’ll see a Locked badge next to the account in both Settings > Wallet and Workspaces > [Workspace Name] > Workflows.
Where to find locked business bank accounts
- Go to Settings > Wallet and look for the account with a Locked badge.
- Or go to Workspaces > [Workspace Name] > Workflows if the account is linked to a workspace.
On mobile, tap the hamburger menu in the top-left corner, then select Settings > Wallet.
How to unlock a business bank account
- Click the bank account with the Locked badge.
- Click Fix or Unlock account.
- This opens a Concierge chat and sends your unlock request.
- Concierge will walk you through the next steps or confirm when your account is ready to use.
If there’s already an open issue for this account, your message will be added to the ongoing thread.
What to expect after requesting an unlock
Unlocking is tied to your bank’s processing timeline:
- Expensify must wait for the failed debit attempt to fully return from your bank.
- Once returned, Concierge will notify you.
- You confirm whether you’d like Expensify to retry the debit.
- After a successful debit, the account unlocks automatically.
Expensify cannot manually retry debits until the bank returns the original attempt.
How to ensure your bank allows ACH debits
To prevent future lockouts, ask your bank to approve the following ACH details:
For reimbursements via Expensify:
- ACH Company IDs: 1270239450, 4270239450, 2270239450
- ACH Originator Name: Expensify
For bill payments via Stripe:
- ACH Company IDs: 1800948598, 4270465600
- ACH Originator Name: expensify.com
For international reimbursements via CorPay:
- ACH Company IDs: 1522304924, 2522304924
- ACH Originator Name: Cambridge Global Payments
FAQ
Will I be notified when my account is locked?
Yes. You’ll see a Locked badge in Wallet and Workflows, and you’ll receive a message from Concierge.
Can I still pay reports with a different bank account?
Yes, but if you try to pay from a locked account, you’ll see a message explaining the issue.
Can I delete a locked bank account?
No. Locked accounts can’t be deleted until they’re resolved and unlocked.
What if I already requested an unlock but didn’t get a response?
If your account is still locked, the failed debit may still be processing. Concierge will notify you as soon as it’s ready to retry.
