Sometimes transactions to or from a bank can fail. It really bums us out, but it happens. While not exhaustive, here are a few reasons why a transaction can fail:
  • Your bank sends back a response code stating “Insufficient Funds” in your bank account to make the transaction to Dwolla
  • Your bank lets us know that your account has been frozen
  • Your bank sends us some other reject code stating the transaction cannot be completed

If a transaction to/from your bank fails, contact your bank or credit union to check on the status of your account. After doing so, either re-initiate the transaction or learn why your bank may not be able to process the transaction.

In addition to the above, if our security team is unable to verify additional information on your account, transactions can also be canceled due to the information request.

If your transaction was failed and it was not due to a bank issue, please look for an “Action Required” notice at the top of your account dashboard.

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.