My portal is asking me to connect my virtual account through bank login credentials — what do I do?

Look for a different option. Your Split Pay account and routing numbers don't work with portal flows that ask for your bank login credentials (your bank username and password).

What's happening:

Some portals offer two ways to add a bank account:

  1. Manual entry — type in account number and routing number (this is what works with Split Pay)

  2. Bank login credentials (via Plaid, Finicity, or similar) — sign into your bank with your bank username and password to auto-fill account details

Split Pay only works with manual entry. Our account and routing numbers aren't tied to a real bank login, so the bank login credentials flow can't authenticate them.

What to look for in your portal:

  • "Add bank account manually"

  • "Enter account and routing numbers"

  • "Skip and enter manually"

  • A small link below the bank login credentials button like "Don't see your bank?" or "Enter details instead"

If your portal only has the bank login credentials option:

That portal can't use Split Pay. Some portals exclusively use Plaid/Finicity for bank connections and don't allow manual entry. In that case:

  1. Reach out to your portal/landlord — ask if they can enable manual ACH bank entry on your account

  2. Use a different payment method for that portal (regular bank or debit card)

  3. Consider using Split Pay for a different bill (mortgage, car loan, etc.) if rent isn't an option

Why we don't connect through bank login credentials:

Split Pay's account and routing numbers represent a real account at Evolve Bank & Trust. They work for any portal that accepts ACH manual entry. The bank login credentials flow is a service for sharing your real banking credentials — Split Pay isn't a credentialed bank you can log into, so bank login flows don't recognize it.

If you've tried entering manually and the portal still won't accept the numbers, contact our Support team — there may be a specific portal quirk we can help with.