# Money Movement

Once funds arrive in your Chariot account, you can transfer them to your **External Financial Account (EFA).** This is typically your organization's operating bank account.

### Linking Your EFA

<figure><img src="/files/a16dD0hvW8aOJPJDWLHP" alt="" width="563"><figcaption></figcaption></figure>

To link an external financial account:

* Go to Settings → External Financial Accounts
* Click 'Add'
* Complete any required verification

Once added, your EFA will be available for outbound transfers.

{% hint style="info" %}
To help keep your account secure, additional verification may be required when linking an external financial account. If we’re unable to confirm that the account name is affiliated with your organization, you may be asked to upload supporting documentation, such as a bank statement or a valid photo ID.
{% endhint %}

{% hint style="warning" %}
Only Account Owners can add or update external financial account details.
{% endhint %}

***

### Making An Outbound Transfer

To move funds out of your Chariot Deposit Account:

* Navigate to your account **Overview** page and select **'Move Money'**
* Choose your EFA
* Enter the amount and confirm

Funds will be transferred to your external bank account via next-day ACH (24 hours).

Unlike payment processors such as PayPal or Stripe, Chariot is a receiving account where funds are deposited directly in your organization’s name. Because of this, outbound transfers from your Chariot account to your EFA are considered **internal transfers**.

{% hint style="info" %}
Because outbound transfers combine multiple deposits, you should **reconcile against your Chariot account**, not your external bank account. See [Using Chariot](/getting-started/using-chariot.md#reconciling-funds).\
\
All transfers from your Chariot Deposit Account to your linked External Financial Account will appear as "ACH DEPOSIT {{NONPROFIT NAME}} - CHARIOT".
{% endhint %}


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