Divvy’s Credit Builder program is different from a traditional Divvy charge card program or generic business credit card program. In order to use the card, you’ll need to put funds aside up front by submitting payments to Divvy.
Without putting funds aside up front, you cannot spend with a Divvy physical or virtual card.
When using the payment portal, funds may take 4-6 business days to clear before they become available to use, so plan your Divvy payments and spend accordingly.
There are two ways to put funds aside up front:
Follow the steps below to learn how to put aside funds up front and get spending smarter with Divvy.
Fund your Divvy card via the payment portal
Sign into your Divvy Dashboard at https://app.divvy.co/.
In the Account payment info section, click the Make a Payment button.
In the From Bank Account drop-down menu, you’ll see the last four digits of the bank account you will use to fund your Divvy charge card.
To use another linked bank account, click the drop-down menu and select an account. If the account you want to use is not listed, go to the Bank accounts page to start adding a new account.
Enter the amount you want to fund in the Payment Amount field. This will be the amount you can spend with Divvy once the funds are processed.
Note: Adding funds via the payment portal takes 4-6 business days to clear before they become available to use. Please plan your Divvy payments and spend accordingly.
5. Click the Submit button.
Fund your Divvy card via wire transfer
You can also wire funds directly to Divvy if you need funds available quicker. All you need to do is contact your financial institution and have the information below ready to pay via wire or automated clearing house (ACH).
Note: Adding funds via wire transfer may take up to one business day before funds are available to use. Please plan your Divvy payments and spend accordingly.
Divvy Account Information
This is the information your financial institution will use to indicate where the funds are sent.
One South Main Street
Salt Lake City, UT 84133
Divvy Credit Account
13707 S 200 W STE 100
Draper, UT 84020
Your Account Information
You will also need to include your bank account number on the payment remittance information line. For wire transfers, use the OBI line. For ACH transactions, use the Addenda line.
To find your bank account number, click the Make a Payment button from the Divvy Dashboard. Then click the Wire/ACH Instructions link. Your account number displays in the Include Divvy account section.