While depositing funds to your dub account is usually straightforward, you might occasionally encounter issues. 

Understanding Deposit Buffers

What is a Deposit Buffer?

A deposit buffer is a verification system we've implemented to protect both our customers and dub from potential insufficient funds returns. When you initiate a deposit, our system verifies that you have sufficient funds in your bank account, including a buffer amount.

This extra verification helps prevent failed transfers and rejected deposits, protects you from the $30 reversal fee that would apply if a deposit is reversed, and ensures a smoother deposit experience overall.

How the Buffer Works

• For most deposits, we verify you have a 100% buffer above your deposit amount in your bank account
• Some banks (like Chime) require a 200% buffer
• This buffer amount is not charged or held - we only verify it exists

Example: For a $100 deposit, we verify you have at least $200 in your bank account

Material Changes to Bank Accounts

What Are Material Changes?

Material changes are significant updates to your bank account information that can affect your connection with dub. These include:

• Password changes
• Address updates
• Account type conversions
• Security setting modifications
• Bank mergers or system upgrades

How Material Changes Affect Deposits

When material changes occur:

• Your Plaid connection (the service we use to connect to your bank) may be disrupted
• You might receive error messages when attempting to deposit
• Our system may be unable to verify your account information

Resolving Material Change Issues

If you've recently made changes to your bank account and are experiencing deposit issues:

1. Unlink and Relink Your Bank Account
   • Go to Settings > Bank Accounts
   • Select your linked bank account
   • Tap "Unlink Account"
   • Tap "Link a Bank Account" to establish a fresh connection
   • Follow the Plaid prompts to reconnect your bank
2. Update Your Information
   • Ensure all personal information in your dub account matches your bank account details
   • Check that your name, address, and other identifying information are consistent