Webull's permanent bank link uses Plaid, a third-party service that encrypts your login credentials
When you link a bank account to Webull, you're not giving Webull your password. Instead, you're connecting through Plaid, a service that acts as a secure bridge between your bank and the app. Plaid handles the authentication—it verifies you own the account—and then Webull can pull money from that account for deposits or send money back for withdrawals. The link stays active until you remove it, so you don't have to re-enter your bank details every time you want to move money.
The process takes about five minutes and requires your bank login credentials during setup, but only to prove ownership. After that, Webull stores a token (a secure reference) rather than your actual password. This is the same method used by apps like Venmo, PayPal, and most investment platforms.
Key Takeaways
- Webull uses Plaid to link your bank account securely, so you enter your bank login only once during setup, not repeatedly.
- The link remains active indefinitely unless you manually remove it from your Webull account settings.
- You can link multiple bank accounts to a single Webull account, and each one stays linked until you disconnect it.
- If your bank password changes, the link may break temporarily, and you'll need to re-authenticate through Plaid to restore it.
- Webull does not store your bank password; it stores a secure token that lets it request transfers on your behalf.
Step-by-step linking process on the Webull app
Open the Webull app and tap the account icon in the bottom right corner. Select Account Settings, then tap Linked Bank Accounts. Tap the plus icon or Add Bank Account. Webull will ask you to choose your bank from a searchable list or enter your bank name if it's not listed.
When you find your bank, tap it and you'll be taken to Plaid's login screen. Enter your online banking username and password—the same credentials you use to log into your bank's website or app. Plaid will verify that the account exists and that you own it. You may see a second screen asking you to confirm your identity (a security question or a code sent to your phone). Complete that step, and Plaid will return you to Webull with the link established.
Your account will now appear under Linked Bank Accounts with your bank name and the last four digits of the account number. The link is now permanent and will remain active the next time you want to deposit or withdraw.
Linking on Webull's website
Log into your Webull account at webull.com. Click your profile icon in the top right, then select Account Settings. Click Linked Bank Accounts on the left sidebar. Click Link New Bank Account.
The process mirrors the app: search for your bank, click it, enter your online banking credentials on Plaid's screen, complete any identity verification, and return to Webull. The link will appear in your account settings immediately and will persist across all future sessions.
What happens if your bank password changes
If you change your online banking password after linking your account to Webull, the link may break. Webull will notify you when it detects that the stored token no longer works. You'll see a message in your account settings saying the link needs to be re-authenticated.
To fix it, go back to Linked Bank Accounts, find the account that's no longer working, and tap or click the option to re-authenticate (usually labeled Update or Reconnect). You'll be sent to Plaid again, where you'll enter your new bank password. Once verified, the link will be restored and will work again until the next password change.
Removing a linked bank account
If you no longer want a bank account linked to Webull, go to Account Settings and select Linked Bank Accounts. Find the account you want to remove and tap or click the trash icon or Remove button. Confirm the removal when prompted. The link will be deleted immediately, and Webull will no longer be able to access that account.
Removing a link does not affect your bank account itself—it only disconnects Webull from it. Your bank account remains open and unchanged. If you link the same account again in the future, you'll go through the full setup process again.
Linking multiple bank accounts to one Webull account
Webull allows you to link more than one bank account to the same Webull trading account. This is useful if you have accounts at different banks or want to keep personal and business accounts separate. Each link is permanent and independent—removing one does not affect the others.
To add a second account, follow the same steps: go to Linked Bank Accounts, tap Add Bank Account, search for the bank, and authenticate through Plaid. You can link as many accounts as you need. When you deposit or withdraw, Webull will let you choose which linked bank account to use for the transfer.
Troubleshooting a link that won't stay connected
If a link keeps breaking or Webull repeatedly asks you to re-authenticate, the problem is usually one of these: your bank password changed (covered above), your bank's security settings blocked the connection, or Plaid encountered a temporary error. Start by re-authenticating through Linked Bank Accounts and entering your current bank password.
If re-authentication fails, log into your bank's website directly to confirm your password is correct and that you can access your account normally. Some banks require you to whitelist third-party apps or disable certain security features before Plaid can connect. Check your bank's security settings or contact your bank's customer service to ask if they block connections from Plaid. Once you've cleared any bank-side blocks, return to Webull and try linking again.
Frequently Asked Questions
Does Webull store my bank password?
No. Webull never sees or stores your bank password. Plaid collects your password only to verify you own the account, then returns a secure token to Webull. That token lets Webull request transfers, but it cannot be used to log into your bank or access your password.
Can I link a joint bank account?
Yes. If you're listed as an owner on the account and can log into it online, you can link it to Webull. The account will be linked to your Webull account, and any deposits or withdrawals will come from or go to that joint account.
What if my bank isn't on Plaid's list?
Most major U.S. banks and many smaller regional banks are supported by Plaid. If your bank doesn't appear, you can still fund your Webull account using a wire transfer or ACH transfer with your bank's routing and account numbers, though this requires manual entry each time and is not a permanent link.
How long does a permanent link last?
A permanent link lasts indefinitely unless you remove it or your bank closes the account. It will continue to work across logins, app updates, and device changes as long as your bank account remains active and your password doesn't change.
Can I link the same bank account to multiple Webull accounts?
Yes. A single bank account can be linked to more than one Webull account. Each Webull account will have its own independent link to the same bank account, and you can deposit or withdraw from either Webull account using that bank connection.