Manage your bank accounts for underwriting

Why bank connections

To determine your company’s credit limit accurately and quickly, Brex uses secure bank connections with trusted providers such as Plaid, Finicity, or Teller.

Connecting all of your business bank accounts gives us a complete view of your financial picture—cash flow, account activity, and financial stability—without requiring you to upload documents manually. This allows our underwriting systems to:

• Evaluate your real-time financial position
• Offer the highest possible and most stable credit limit
• Speed up the approval process, especially for new or thin-file businesses

For many customers, this is the fastest and most seamless path to accessing flexible, scalable credit with Brex.

How secure bank connections work

Brex partners with trusted third-party providers (such as Plaid) to enable secure, read-only access to your bank account data. Here’s what you can expect:

• Encryption & Privacy: All data is encrypted in transit and at rest. Brex never sees your login credentials and cannot move money from your account.
• Read-Only Access: We can view your transaction history, not initiate any transactions.
• Revocable Access: You can disconnect your bank account at any time through your Brex dashboard.
• Purpose-Limited Use: Bank data is used exclusively for underwriting and financial health monitoring.

This secure connection not only accelerates the underwriting process but also builds a foundation for dynamic limit management, enabling your credit line to scale with your business.

Account and card admins can connect additional bank accounts, remove or fix a current connection, and verify which accounts are currently connected, all from the Brex dashboard.

Bank connections that require MFA/two-factor authentication

Brex supports connecting banks with MFA/two-factor authentication, but the connection stability depends on the bank's policies and the aggregation partner. Some banks require frequent re-authentication by the user, and some connections may not be fully supported due to MFA requirements. You may need to reconnect periodically or use alternative aggregation partners where available.

If you’re having trouble connecting your bank account, please contact Brex Support.

Add new bank connections

Connecting all your bank accounts is one way to positively impact your credit limit. It only takes a few easy steps to add a bank connection! Step 1: Go to Accounts > Add account Step 2: Click Connect external account. Step 3: Follow the prompts to enter your online banking credentials. Step 4: Choose whether you want to verify and securely save your phone number through Plaid’s system. Some institutions may use a phone number for verification purposes instead of your login credentials.

Once you’ve added a new bank connection, you can submit a limit increase request by following the steps in this article.

Remove bank connections

Remember that your Brex credit limit is determined in part by the cash balances in your connected bank accounts. Removing a connection without adding another one could have a negative impact on your credit limit. If you'd like to remove a connection, please follow the steps below. Step 1: Go to Accounts > Connected accounts. Step 2: Find the bank you'd like to disconnect. Step 3: In the side panel, click Disconnect. Note: If you only have one bank account connected for underwriting, you won’t be able to disconnect it until you’ve connected an alternative bank account.

View connected bank accounts

Because Brex connects to your bank via your online login credentials, multiple bank accounts may be related to one set of login credentials. You can view the names and the last four digits of the account numbers of each one by following the steps below. Step 1: Go to Accounts > External accounts. Step 2: Click on the respective bank connection. All connected accounts for that bank will be displayed.

Fix a current connection

We may occasionally lose connection to your bank account for a number of reasons, some of which include:

• Your online banking credentials have changed.
• You have been logged out of your bank account for security reasons.
• There are a limited number of devices that can be connected at a time.

If at any time you receive an email from Brex stating that your connection between your business bank account and Brex was recently lost, check if there is a Fix connection link in your dashboard. If not, check the last sync date on the connection to see if the connection has synced in the previous week. If the last sync date is over a week ago, you'll need to delete the connection and re-add the connection.

To reconnect your bank to Brex, follow the steps below. Step 1: Go to this link. Step 2: Follow the prompts to reconnect your account.

Hiding an account from your dashboard

If you would like to use a bank account for underwriting purposes but restrict visibility or usage within the dashboard, you can do so by reaching out to Brex Support.

Please note that when you hide a bank account, it still remains connected to Brex and is used for underwriting purposes. Hiding an account only removes it from view and prevents you from using it for payments like wires, ACH transfers, and reimbursements within your dashboard.

Troubleshooting

If you have issues connecting or reconnecting your bank to Brex, please try the following troubleshooting suggestions. Note: Even if your primary funding source disconnects, your payments to Brex will still be made via an ACH at the end of your statement period.

• Location
  • If you're not currently in the United States, please try again when you are back in the US, or try using a VPN.
• Role type
  • Only account admins and card admins can add a bank connection.
• Accurate bank credentials
  • To make sure your bank account credentials are correct, connect your bank account from scratch and manually type in your credentials instead of pre-filling them.

If you're still having issues, please contact Brex Support so that we can help troubleshoot or discuss a temporary solution.