Unlock a Business Bank Account

If your business bank account is locked, Expensify pauses reimbursements and payments to prevent failed debits. You’ll need to request an unlock before the account can be used again.

Why your business bank account is 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
• The bank account isn’t enabled for ACH direct debits

When a bank account is locked, you’ll see a Locked badge on the account in:

• Settings > Wallet in the Bank accounts section
• Workspaces > [Workspace Name] > Workflows in the Payments section

How to unlock a business bank account

1. In the navigation tabs (on the left on web, on the bottom on mobile) go to Account > Wallet.
2. Click the bank account with the Locked badge.
3. Click Fix or Unlock account.
4. Send the message to Concierge to request the unlock.

Concierge will walk you through the next steps to unlock the account, or confirm when your account is ready to use.

What happens after you request to unlock a business bank account

Unlocking is tied to your bank’s processing timeline:

1. Expensify must wait for the failed debit attempt to fully return from your bank.
2. Once returned, Concierge will notify you.
3. You confirm whether you’d like Expensify to retry the debit.
4. After a successful debit, the account unlocks automatically.

Expensify cannot manually retry debits until the bank returns the original attempt.

How to prevent your business bank account from locking again

Ask your bank to allow ACH debits from the following originators:

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 bank account is locked?

Yes. You’ll see a Locked badge in Wallet and Workflows, and Concierge will message you.

Can I delete a locked bank account?

No. Locked accounts can’t be deleted until they’re resolved and unlocked.

Why hasn’t my account unlocked yet?

The failed debit may still be processing with your bank. Concierge will notify you as soon as it can be retried.