Because Plaid (the secure bank-login flow we use) is faster and far more reliable than typing account and routing numbers by hand.
The problem with manual account and routing entry:
Typos are easy. A single wrong digit means the connection silently fails — and you only find out when a payment doesn't go through.
No ownership verification. Manual entry can't confirm you actually own the account, which leads to more failed payments and review holds.
Slower verification. Manual entry requires micro-deposits (small test amounts your bank takes a few days to receive), while Plaid verifies instantly.
Why Plaid is better:
Verifies you own the account in seconds (you sign into your bank, not us)
Pulls account and routing numbers automatically — no typing, no mistakes
Instantly active — no waiting for micro-deposits
If you can't use Plaid (your bank isn't supported, you don't bank online, etc.), you can't apply with that account — a valid, Plaid-connected checking account is required to use Split Pay. If you have a checking account at another bank, you can connect that one instead. Once it's connected, you can pay with any Visa or Mastercard debit card in your name, from any bank — including the one we couldn't connect.