When you reimburse a report, Expensify initiates a withdrawal from your connected business bank account. If your bank rejects this withdrawal—due to insufficient funds, missing authorization, or direct debit restrictions—your account will be locked until the issue is resolved.

Why Is My Bank Account Locked?

Common reasons include:

• Your bank account is not enabled for ACH direct debits
• There were insufficient funds available during a reimbursement attempt
• Your bank blocked the debit attempt

When this occurs, Expensify pauses reimbursements and locks the verified account as a precaution.

How to Request an Unlock

To unlock your account:

1. Go to Workspaces > [Workspace Name] > Bank Account.
2. Click the Fix button next to the locked account.

This sends a request to the Expensify support team. A Concierge agent will contact you with the next steps.

Note: Unlocking a bank account may take several business days due to ACH processing timelines and clawback periods.

Enable Direct Debit with Your Bank

To ensure your bank allows direct debit from Expensify, share the following ACH details with your financial institution:

For Reimbursements via Expensify:

• ACH Company IDs:
  1270239450, 4270239450, 2270239450
• ACH Originator Name: Expensify

For Bill Payments via Stripe:

• ACH Company IDs:
  1800948598, 4270465600
• ACH Originator Name: expensify.com
• Stripe ACH ID Reference

For International Reimbursements via CorPay:

• ACH Company IDs:
  1522304924, 2522304924
• ACH Originator Name: Cambridge Global Payments

Once your bank has approved these IDs and your account is reviewed, Concierge will notify you when it is unlocked and reimbursements can resume.