Fund Your Account

You can fund disbursements in three ways:

1. Send an ACH credit to your Chariot Deposit Account

2. Initiate an ACH debit from a linked external financial account

3. Use on-demand funding when creating disbursements

Funding and balance workflows can also be managed through the Chariot API. See https://docs.givechariot.com/guides/disbursements

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Option 1: Send an ACH credit

An ACH credit is initiated from your external bank and sent to your Chariot account.

1. In the Chariot dashboard, open Overview.

2. Find your Chariot account and routing number.

3. In your external bank, create an ACH credit using those details.

4. Return to Chariot to confirm the funds have arrived and are available in your balance.

Inbound ACH credits typically arrive in approximately one business day, depending on the originating financial institution and submission time.

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Option 2: Pull funds by ACH debit

To initiate funding from Chariot, first link an external financial account.

Link an external financial account

1. Open Settings in the Chariot dashboard.

2. Select Disbursements Funding.

3. Follow the prompts to link and verify the external account Chariot should debit.

Add funds

1. Open Overview.

2. Select Add funds.

3. Choose the linked external financial account.

4. Enter the amount to transfer.

5. Review and submit the transfer.

ACH debits initiated through Chariot typically take approximately three business days to become available.

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Option 3: Use on-demand funding

On-demand funding lets Chariot debit your linked external financial account when you create a disbursement instead of requiring you to maintain the full amount as a prefunded balance.

For example, if you create a $500 disbursement, Chariot initiates a $500 debit from your linked external account as part of the disbursement workflow.

To use on-demand funding:

1. Link an external financial account under Settings > Disbursements Funding.

2. Contact [e-mail] to confirm on-demand funding is enabled for your account.

3. Create disbursements normally. Chariot will initiate the required debit when your available balance is insufficient.