Fund a Stripe Treasury financial account via InboundTransfer from an external linked bank account

In-depth guide

Steps

1. Link an external US bank account to the Treasury financial account via POST /v1/treasury/financial_accounts/{id}/features to enable inbound_transfers, then create a LinkedAccount using Stripe Financial Connections or by providing account and routing numbers directly.
2. Create the InboundTransfer via POST /v1/treasury/inbound_transfers specifying financial_account, amount, currency (usd), origin_payment_method (the linked bank account payment method ID), and a description.
3. The InboundTransfer initiates a pull ACH debit from the external bank account; funds are not immediately available in the financial account — Stripe holds them until the ACH settles (typically 3–5 business days for first-time transfers, shorter for established accounts).
4. Monitor the treasury.inbound_transfer.succeeded and treasury.inbound_transfer.failed webhooks to update your internal funding state; a FAILED transfer means the ACH return code was received — inspect the failure_details.code for the specific return reason.
5. For faster funding, use Stripe Financial Connections with instant balance verification to reduce the hold period on the first transfer; subsequent transfers from verified accounts are typically faster.
6. Reconcile InboundTransfers by fetching GET /v1/treasury/transactions and filtering by the inbound_transfer flow type to see the matching ledger entries that credit the financial account balance.