Divvy’s Credit Builder program is different from a traditional Divvy charge card program or generic business credit card program. The Credit Builder program relies on a secure line of credit. This credit line must be pre-funded before cardholders can spend with their Divvy cards.

Notes:

  • Without pre-funding your credit line, you cannot spend with a Divvy physical or virtual card.

  • When using the payment portal, funds may take 3-5 business days to clear before they become available to use, so plan your Divvy payments and spend accordingly.

There are two ways to fund your credit line:

Follow the steps below to learn how to pre-fund your credit line and get spending smarter with Divvy.


Fund Credit Line by Payment Portal

  1. Sign into your Divvy account on a web browser.

  2. If you are not already on the Dashboard, click the Dashboard link in Navigation Menu.

Open Dashboard

3. In the Account payment info section, click the Add Funds button.

Add Funds to Account

4. 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.

Select Bank Account

5. 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 3-5 business days to clear before they become available to use. Please plan your Divvy payments and spend accordingly.

Enter Payment Amount

6. Click the Submit button.

Submit Button

Fund Credit Line Via Alternate Methods

In addition to the payment portal, you can also fund your credit line by wire transfer, ACH deposit, or physical check. Wire transfers can be can be completed on the same day they are submitted. ACH deposits can be completed between 1-3 business days. Physical checks can take extra time to be delivered, deposited, and reflected on your Divvy account.

  1. For instructions on funding by wire transfer, ACH, or physical check, click the Pay by Wire, ACH, or Check link.

2. To view instructions for wire transfer, click the Wire transfer tab [1]. To view instructions for ACH deposit, click the ACH deposit tab [2]. To view instructions for physical checks, click the Physical check tab [3].

Wire Transfer or ACH Deposit

Wire transfers and ACH deposits can be done in-person, over the phone, and (in some cases) via online tools. Contact your banking institution for more information on how to execute a wire transfer or ACH deposit.

Both wire transfers and ACH deposits require you to include recipient account information for Divvy and your Divvy account information.

Recipient (Divvy) Account Information

Financial Institution

Zions Bank

One South Main Street

Salt Lake City, UT 84133

Account Number

983741877

Routing Number

124000054

Divvy Address

Divvy

13707 S 200 W STE 100

Draper, UT 84020

Your Account Information

You can find your account number from the Alternative ways to pay instructions [1]. To copy your account number, click the Copy icon [2].

You will need to include your Divvy account number on the payment remittance information line. For wire transfers, include the account number with the beneficiary, OBI, memo, or special instructions. For ACH transactions, include the account number with the notes, memo, instructions, or addenda.

Physical Check

Physical checks must be sent to the following address:

Divvy Address

Divvy

13707 S 200 W STE 100

Draper, UT 84020

On the Memo line of your check, include your Divvy account number. You can find your account number from the Physical check tab of the Alternative ways to pay instructions [1]. To copy your account number, click the Copy icon [2].


Find Help

If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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