How do I verify my bank with Plaid to finish setting up my Etsy shop?

Question

I’m trying to open an Etsy shop and I’m stuck on the payment setup step that uses Plaid to verify my bank account. I entered my details, but I haven’t received the small test deposit yet, and my Cash App account doesn’t show anything pending or received.

What should I do to complete bank verification and finish opening my Etsy shop if the Plaid deposit never arrives?

Answer

Hi! If you’re using a US bank account, Etsy typically needs your bank to successfully verify through Plaid (either instantly or by a small test deposit), and if that test deposit never shows up in Cash App, the quickest fix is usually to switch to a traditional checking account (a “real” bank/credit union) that Plaid/Etsy can verify reliably.

A few things to try before you switch:

1) Give it enough time (business days)
- Those tiny test deposits don’t post instantly, and weekends don’t count. Since today is Sunday, January 4, 2026, the earliest “business day” processing starts is Monday, January 5, 2026.
- If you just started verification recently, wait a couple business days and keep checking your Cash App transaction history (not just “pending”).

2) Double-check you’re looking for the right deposit name
- The deposit might not say “Etsy.” It can show up under a payment partner name (not super obvious), so scan for any small incoming ACH deposit that appeared after you attempted verification.

3) Resend the test deposit from Etsy (don’t keep re-entering info)
- In Shop Manager → Finances → Payment settings → Bank details, use the option to verify/resend the small deposit (or re-save your bank details to trigger a new deposit).
- Important: if you trigger a new test deposit, Etsy will expect the most recent one—older attempts can become invalid.

4) Confirm your Cash App details are actually eligible for this
- Make sure you’re using the correct routing and account number from Cash App (and that it’s set up to receive standard ACH deposits).
- Some fintech accounts (including app-based accounts) can be hit-or-miss with Plaid verification or micro-deposits, even if they work fine for direct deposit.

If the deposit still doesn’t arrive, the practical solution is:
- Use a different bank account: a checking account from a bank/credit union that supports Plaid connections well. That usually lets you finish Etsy Payments setup and open the shop without waiting on a deposit that may never post.

If you tell me whether you’re seeing an “instant verify” Plaid login option or ONLY the “small test deposit” option, I can point you to the exact best next step for that screen.