Direct deposit overview
Direct Deposits (also known as Automated Clearing House or ACH payments) allow reimbursements to be sent directly to your bank account.
đź“ťImportant Note: This feature is available only to members eligible for Direct Deposit. For core pre-tax benefits (FSA, HSA, DCFSA, LPFSA, and Commuter), reimbursements will be processed via direct deposit. For other programs and HRAs, reimbursements may be made through either direct deposit or payroll. If you're unsure about your reimbursement method, please reach out to support@joinforma.com.
Forma access points to begin the bank account linking process
To link your bank account, visit https://client.joinforma.com/, log in using the email address associated with your Forma account, and click the prompt highlighted below to start the connection process. For the best experience, we recommend using a computer and Google Chrome.
You can also manually access the bank account connection page in two ways:
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Click your name in the upper-right corner of your account > Select "View or Edit Profile" > Click "Linked Accounts" on the left side > Choose "Link Bank."
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Click the blue “Pending Tasks” button under your name on the right side > Select "Link Bank Account" > Click "Link Bank.
Ways to link your bank account
You can link your bank account for reimbursement in two ways:
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Instant: Forma will connect directly to your bank account via Plaid. Simply select your bank, enter your bank login credentials, and you're all set to receive reimbursements!
Note: If your bank doesn’t support instant connection, you’ll need to use the manual method. -
Manual: You’ll enter your bank’s routing and account numbers. Within 1-2 business days, you’ll receive a micro deposit with a code. Enter this code into Forma to complete the account linking process. This method may take 2-3 business days to set up.
Instant Link (Recommended)
- Navigate to https://client.joinforma.com/ and sign into your Forma account
- Click "link bank account" in the banner across the top of the screen
OR Click your name in the upper right corner of your account > View or edit profile > Linked accounts (left side) > Link bank
OR click the blue “Pending Tasks” button under your name on the right side > Link bank account > Link Bank - Click the “Link My Bank” blue button at the bottom. This will open a Plaid pop-up screen where you can link your account seamlessly.
- Click “Continue” to proceed with linking your account using Plaid
- Select “Instant” to instantly link your bank account and then click “Continue”
- You will be asked to select your bank to instantly link. You can search for your bank by typing the name in the search bar. Select your bank by clicking the arrow on the right
- Leave the items selected and click “Continue to login” at the bottom.
- Login with your bank credentials.
Note: Please note this screen will look different for each bank. You will need to do your bank authentication and any authorizations. These also vary bank to bank. - You’re all done! Click "continue" and your account will show as connected. You will start receiving your reimbursements to this bank account once you have approved claims.
Manual Link
If you attempted to link your bank account using the instant method, but your bank or credit union was not a verified option through Plaid– this is a great alternative.
- Navigate to https://client.joinforma.com/ and sign into your Forma account
- Click "link bank account" in the banner across the top of the screen OR Click your name in the upper right corner of your account > View or edit profile > Linked accounts (left side) > Link bank OR click the blue “Pending Tasks” button under your name on the right side > Link bank account > Link Bank
- Click the “Link My Bank” blue button at the bottom
- Click “Continue”
- Select “Manual” and then “Continue”.
- Enter your Routing number from your desired account and click “Continue”.
- Enter your account number and confirm it a second time. Click “Continue”.
- Enter your full name from the account and click “Continue”
- Select if it’s “Checking” or “Savings” and click “Continue”. Note: Please ensure this information is accurate. If it's incorrect, your funds will be returned to Forma.
- Click “Authorize” to allow a micro deposit to be sent to your bank account for verification. This deposit will be accompanied by a code you will need to finish connecting your account with Forma
- Click "Continue" to return to your Forma account. Once you receive the micro deposit with a code in your bank account, come back to Forma to verify and complete the connection process.
- Once you receive the micro deposit, log back into your Forma account and click "Verify linked bank" from the Home screen task or navigate to the “Linked accounts” screen and click “Verify bank deposits”.
- You may also see "Accept ToS", if you don't, move to the next step.
- Enter the 3-letter code associated with the micro deposit you received in your bank account. Then click “Continue” and you’re done!
Once your bank account is connected, Forma will begin processing reimbursements to your account. Reimbursements are issued on Sundays and Wednesdays. Please note, it may take 5-7 business days for the funds to be deposited after the reimbursement is initiated on these days.
If you have any questions or need further assistance, please contact our Support Team at support@joinforma.com.