Quick Pay Error: Payment Account Declined; Validate your bank

Product Version
Bill Manager for Mac
Bill Manager for Windows

Overview

You may receive the following error when attempting to make a payment using Quick Pay in Quicken Bill Manager:

"Quicken was unable to process your payment because your external bank account ending in [account number] must first be validated on the [biller name] website. Your payment has been canceled."

Cause

Some billers require that a new payment account first be validated before being used to pay a bill. For a bank account, this will typically entail the biller making trial deposits to the new payment account. 

To resolve this issue

Log in to the biller’s website and initiate the Add Payment Account process. When the new payment account is added, the biller will describe their validation process.

Below are some common billers that require this, along with steps to validate a payment account on their website: 

Barclaycard 

  1. Log in to the Barclaycard website.​
  2. From the Your Profile tab, select Bank accounts.

Quick Pay Error: Payment Account Declined; Validate your bank

  1. Under the Bank accounts section of the profile page, select + Add a new bank account.

Quick Pay Error: Payment Account Declined; Validate your bank

  1. Complete the form by entering the information of the bank account you’d like to pay from. Once submitted, Barclaycard will send the bank account two small deposits, which you will have to verify to validate the payment account. 

Bank of America 

  1. Log in to the Bank of America website
  2. From the Bill Pay tab, select Manage accounts

Quick Pay Error: Payment Account Declined; Validate your bank

  1. Click on Add a Pay From account.

Quick Pay Error: Payment Account Declined; Validate your bank

  1. Complete the form by entering the information of the bank account you’d like to pay from. Once submitted, Bank of America will send the bank account two small deposits. You will need to verify these to validate the payment account. 

Chase 

  1. Log in to the Chase website

Quick Pay Error: Payment Account Declined; Validate your bank

  1. From the Pay & transfer tab, select Manage pay-from accounts
  2. Select Add a pay-from account.
  3. Complete the form by entering the information of the bank account you’d like to pay from. Once submitted, Chase will send the bank account two small deposits. You will need to verify these to validate the payment account. 

Other Financial Institutions  

  1. Log in to your financial institution’s website and locate the option for transfers or external accounts 
  2. Select the option to add a new external account 
  3. Complete the form shown by entering the information of the bank account you’d like to pay from. Once submitted, the financial institution will send the bank account two small deposits, which you will have to verify to validate the payment account. 

After the payment account is validated at the biller, you can return to Quicken and initiate a payment from that account.

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