Will my customer be charged automatically if they log in to their bank?

Last updated: November 12, 2026

No. Logging in to their bank through Stripe simply verifies their account. It doesn't authorize additional charges.

When customers select Log in to your bank during an ACH payment, their bank account is verified instantly, allowing the payment to begin processing without waiting for microdeposits.

What about future payments?

Saving a verified bank account doesn't mean automatic charges. Customers still need to authorize future payments.

Note: ACH payments typically take around 4 business days to complete, even with instant verification.