diff --git a/docs/articles/new-expensify/wallet-and-payments/Connect-a-Business-Bank-Account.md b/docs/articles/new-expensify/wallet-and-payments/Connect-a-Business-Bank-Account.md
index 4bc142f64d17..88f06b43fcb4 100644
--- a/docs/articles/new-expensify/wallet-and-payments/Connect-a-Business-Bank-Account.md
+++ b/docs/articles/new-expensify/wallet-and-payments/Connect-a-Business-Bank-Account.md
@@ -1,107 +1,133 @@
---
-title: Connect a Business Bank Account
-description: How to connect a business bank account to New Expensify in supported currencies (USD, CAD, GBP, EUR, AUD).
-keywords: [New Expensify, business bank account, verified business bank account, send reimbursement, micro transactions, test deposits, verification amounts, bank verification, share bank account, share business bank account]
+title: Connect a US Business Bank Account
+description: Learn how to connect and verify a US business bank account in Expensify for reimbursements, Expensify Card payments, and invoice payouts.
+keywords: [New Expensify, business bank account, connect bank account, verified business bank account, reimbursement, Expensify Card, Plaid, Wallet, workspace payments, link bank account, ACH]
+internalScope: Audience is Workspace Admins. Covers connecting a new US business bank account from a workspace or Wallet, and linking an existing one to a workspace for reimbursements. Does not cover validating test transactions, sharing, unsharing, or unlocking a business bank account.
---
-
+# Connect a US Business Bank Account
-You can connect a business bank account in **New Expensify** using the following supported currencies: **USD, CAD, GBP, EUR, and AUD**.
+You can connect a US business bank account from **Wallet**, or from a Workspace if you are a Workspace Admin. Once connected, you can use the bank account for reimbursements, Expensify Card payments, and invoice payouts.
-Follow the steps below to connect your business bank account and enable payment features.
+This article covers connecting US bank accounts only. If your business bank account is based outside the United States, [learn how to connect an international business bank account](/articles/new-expensify/wallet-and-payments/Enable-Global-Reimbursement).
---
-# How to connect and verify a business bank account
+## Who can connect a US business bank account
-## Step 1: Enable Make or Track Payments
+- Any member can connect a US business bank account in **Wallet**.
+- Workspace Admins can connect a business bank account to a Workspace.
+- The member who sets up the account and all beneficial owners must have a physical US address, a US photo ID, and a US SSN.
-1. Click **Workspaces** in the navigation tabs.
-2. Navigate to **[Workspace Name] > More Features**.
-3. Click **Enable Workflows**.
-4. A **Workflows** setting will appear in the left-hand menu.
-5. Click **Workflows** and enable **Make or Track Payments**.
+To connect a business bank account, the Workspace must have Workflows enabled. [Learn how to enable Workflows](/articles/new-expensify/workspaces/Workspace-Workflows#enable-workflows).
-{:width="100%"}
+---
-{:width="100%"}
+## How to add a new US business bank account in Wallet
+
+1. In the navigation tabs (on the left on web, on the bottom on mobile), click **Account > Wallet**.
+2. Click **Add bank account**.
+3. Select **Make payments**.
+4. Choose the country where your bank is located.
+5. Select **Log into your bank** (preferred) or **Connect manually**.
+6. Complete the identity verification, company details, and Beneficial Owner steps described below.
+
+
---
-## Step 2: Connect your business bank account
+## How to connect a new US business bank account in a Workspace
-1. Click **Connect Bank Account**.
-2. Select either **Connect online with Plaid (preferred)** or **Connect manually**.
-3. Enter your bank details.
+1. In the navigation tabs (on the left on web, on the bottom on mobile)**,** click **Workspace > [Workspace name]**.
+2. Select **Workflows**.
+3. Enable **Payments**.
+4. In the **Payments** section, select **Add bank account**.
+5. Select **Log into your bank** (preferred) or **Connect manually**.
+6. Enter your bank details.
+7. Complete the identity verification, company details, and Beneficial Owner steps described below.
-**Note:** If your business bank account already exists in Expensify, an admin with access can **share it with you** — no need to complete the setup process again. [Learn how to share a business bank account](https://help.expensify.com/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account).
+If your business bank account already exists in Expensify, an admin with access can share it with you instead. Learn how to [share a business bank account](/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account).
----
+
-## Step 3: Verify your identity with a U.S.-issued photo ID
+{:width="100%"}
+
+---
-After entering your personal details, you’ll be prompted to complete identity verification:
-1. Upload a photo of the **front and back** of your ID (**cannot be a photo of an existing image**).
-2. Use your device to take a **selfie** and record a **short video** of yourself.
+## How to link an existing business bank account to a workspace
-**Your ID must be:**
-- Issued in the **US**
-- Current (**expiration date must be in the future**)
+If you already have a verified business bank account, you can share it to another workspace without needing to add it again. [Learn how to share a business bank account](/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account).
---
-## Step 4: Add company details for bank account verification
+## How to verify your identity with a US-issued photo ID
+
+After entering your personal details, complete identity verification:
+
+1. Upload a photo of the **front and back** of your ID. The photo cannot be a photo of an existing image.
+2. Take a **selfie** and record a **short video** of yourself.
-Add your company details, including:
-- **Company Address:** Must be a **physical** US location (**PO Boxes or mail drop addresses will be flagged for review and may delay verification**).
-- **Tax Identification Number (TIN):** Assigned by the **IRS**.
-- **Company Website:** Required to access most **Expensify payment features**.
-- **Industry Classification Code:** Find the list of codes [here](https://www.census.gov/naics/?input=software&year=2022).
+Your ID must be issued in the US with an expiration date in the future.
---
-## Step 5: Add Beneficial Owner details (if applicable)
+## How to add company details for bank account verification
-1. Check the appropriate box under **Beneficial Owner**:
- - A **Beneficial Owner** is an **individual** who owns **25% or more** of the business.
- - If no individual owns **25% or more**, leave both boxes **unchecked**.
-2. Accept the agreement terms and verify that all details are **true and accurate**.
+Provide the following company information:
+
+1. **Company address** — Must be a physical US address. PO Boxes or mail drop addresses will be flagged for review and may delay verification.
+2. **Tax Identification Number (TIN)** — Assigned by the IRS.
+3. **Company website** — Required to access most Expensify payment features.
+4. **Industry Classification Code** — Find the list of codes at [census.gov/naics](https://www.census.gov/naics/?input=software&year=2022).
---
-## Step 6: Wait for documentation review
+## How to add Beneficial Owner details
-In some cases, Concierge may request additional documents (e.g., business address verification or a bank letter). If this happens, Concierge will follow up directly.
+1. Check the appropriate box under **Beneficial Owner**. A Beneficial Owner is an individual who owns 25% or more of the business. If no individual owns 25% or more, leave both boxes unchecked.
+2. Accept the agreement terms and verify that all details are true and accurate.
---
-## Step 7: Watch for the test transaction message
+## What to expect after submitting your bank account details
-Once your account is nearly ready, you’ll see the message: **“Your bank account is almost set up!”**
+After you submit your details:
-This means Expensify has sent **three test transactions** (usually arriving within 1–2 business days). You’ll need these to complete setup.
+1. **Documentation review** — In some cases, Concierge may request additional documents such as business address verification or a bank letter. Concierge will follow up directly if needed.
+2. **Test transactions** — Once your account is nearly ready, you'll see the message **"Your bank account is almost set up!"** This means Expensify has sent three test transactions, which usually arrive within 1–2 business days.
+3. **Validation** — Enter the three exact amounts to complete setup. Learn how to [validate a business bank account](/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account).
---
-## Step 8: Validate the test transactions
+## How business bank accounts appear in Wallet
+
+Once connected, your business bank account appears in **Account > Wallet**. If you have both personal and business bank accounts, Wallet separates them into **Personal bank accounts** and **Business bank accounts** sections.
-1. Return to **Settings > Workspaces > [Workspace Name] > Workflows > Payments**.
-2. Click **Enter test transactions**.
-3. Input the **three exact amounts** and click **Validate**.
+Partially set-up accounts display an **Action required** badge. Click the account row to resume setup from where you left off.
-Once validated, your **verified business bank account** is fully connected and ready to use.
+
---
# FAQ
-## What are the general requirements for adding a business bank account?
-To add a **business bank account** for **ACH reimbursements (US) or Expensify Cards**:
-- Enter a **physical address** for yourself, any **Beneficial Owner** (if applicable), and the **business**.
-- **US photo ID, address, and SSN** are required for all individuals associated with the account.
+## What are the general requirements for adding a US business bank account?
+
+To add a business bank account for ACH reimbursements or the Expensify Card, enter a physical address for yourself, any Beneficial Owner (if applicable), and the business. A US photo ID, US address, and US SSN are required for all individuals associated with the account.
-## Are there certain industries or businesses for which Expensify cannot process automatic, in-app payments?
-Yes, Expensify cannot process direct payments for businesses in the following industries:
+## Which industries does Expensify not support for direct payments?
+
+Expensify cannot process direct payments for businesses in the following industries:
- Security Brokers & Dealers
- Dating & Escort Services
@@ -119,28 +145,33 @@ Yes, Expensify cannot process direct payments for businesses in the following in
- NFT (non-fungible token) services
## What is a Beneficial Owner?
-A **Beneficial Owner** is an **individual** who owns **25% or more** of the business. If no individual meets this threshold, you do **not** need to list a **Beneficial Owner**.
+
+A Beneficial Owner is an individual who owns 25% or more of the business. If no individual meets this threshold, you do not need to list a Beneficial Owner.
## What if my business is owned by another company?
-Please only check the Beneficial Owner box if an individual owns 25% or more of the business.
-## Why can’t I input my address or upload my ID?
-All individuals associated with the account must have a **US address, US photo ID, and a US SSN**. If you do not meet these requirements, an **admin who qualifies** should add the bank account.
+Only check the Beneficial Owner box if an individual owns 25% or more of the business.
+
+## Why can't I input my address or upload my ID?
+
+All individuals associated with the account must have a US address, US photo ID, and a US SSN. If you do not meet these requirements, an admin who qualifies should add the bank account instead.
## Why am I asked for documents when adding my bank account?
-Expensify follows **federal regulations (BSA / AML laws)** and anti-fraud measures. If automatic verification fails, we may request manual verification (e.g., address verification, bank ownership letter, etc.). Contact **Concierge** for assistance.
-## I don’t see all three microtransactions I need to validate my bank account. What should I do?
-Wait **two business days**. If still missing, contact your **bank** and ask them to whitelist our **ACH IDs:**
+Expensify follows federal regulations (BSA/AML laws) and anti-fraud measures. If automatic verification fails, Expensify may request manual verification such as address verification or a bank ownership letter. Contact Concierge for assistance.
+
+## What should I do if I don't see all three test transactions?
+
+Wait two business days. If the transactions still haven't arrived, contact your bank and ask them to whitelist the following ACH IDs:
+
- **1270239450**
- **4270239450**
- **2270239450**
-Expensify’s **ACH Originator Name**: **Expensify**.
+ACH Originator Name: **Expensify**
-Once completed, contact **Concierge** to re-trigger the microtransactions.
+Once completed, contact Concierge to re-trigger the test transactions.
-## Is my data safe?
-Yes! Expensify uses **bank-level security measures** and is **tested daily** by **McAfee**. Learn more about our security policies [here](https://help.expensify.com/articles/new-expensify/settings/Encryption-and-Data-Security).
+## How does Expensify protect my data?
-
+Expensify uses bank-level security measures. Learn more about [Expensify's security policies](/articles/new-expensify/settings/Encryption-and-Data-Security).
diff --git a/docs/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account.md b/docs/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account.md
index 804c196690f8..f39790376d5d 100644
--- a/docs/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account.md
+++ b/docs/articles/new-expensify/wallet-and-payments/Share-a-Business-Bank-Account.md
@@ -1,74 +1,61 @@
---
title: Share a Business Bank Account
-description: Workspace Admins can now share access to a business bank account with other admins — no need to set it up from scratch.
-keywords: [share business bank account, reimbursements, Wallet, Workspace Admin, Settings > Wallet, pending validation, Expensify business bank]
+description: Share a verified business bank account with other Workspace Admins so they can use it without repeating setup.
+keywords: [New Expensify, share business bank account, shared bank, Workspace Admin, verified bank account, bank account access, ACH sharing, shared access, Wallet]
+internalScope: Audience is Workspace Admins with a verified business bank account. Covers sharing a verified business bank account with other admins. Does not cover initial bank account setup, validation, unsharing, or unlocking.
---
-
+# Share a Business Bank Account
-# Sharing a business bank account in Expensify
+If you've already added and verified a business bank account, you can share it with other Workspace Admins. This allows them to use the account without repeating the full setup process.
-If you’ve already added a business bank account, you can share access to that account with other Workspace Admins. This eliminates the need to repeat the full setup process.
-
-## Who can share a business bank account in Expensify
+---
-Only **Workspace Admins** can share an existing business bank account. You can only share accounts that have been verified.
+## Who can share a business bank account
-## Where to find the business bank account sharing option
+- Only **Workspace Admins** can share a business bank account.
+- You can only share **verified** business bank accounts.
+- You can only share with admins of Workspaces where you are also an admin.
-Go to the navigation tabs and select **Settings > Wallet**.
+---
## How to share a business bank account
-To share an existing account with other admins:
-
-1. Open **Settings > Wallet**.
-2. Click the **three-dot menu (⋮)** next to the bank account you want to share.
+1. In the navigation tabs (on the left on web, on the bottom on mobile) go to **Account > Wallet**.
+2. In the **Bank accounts** section, find the verified business bank account and select the three dots **(⋮)** next to the account.
3. Select **Share**.
-4. On the Share screen:
- - The list shows only Workspace Admins from workspaces where you also have admin access.
-5. Select the admins you want to share with, then click **Share**.
-6. You’ll see a confirmation screen once the share is successful.
+4. Select the admins you want to share the account with.
+5. Click **Share**.
+6. You'll see a confirmation once the process is complete.
-**Note:** You’ll only see Admins of workspaces where you’re also an admin in the list.
+**Note:** You can only share with Workspace Admins from Workspaces where you also have admin access.
{:width="100%"}
-{:width="100%"}
+{:width="100%"}
{:width="100%"}
{:width="100%"}
-## What happens after sharing a business bank account
-
-- The shared-to admins will receive a Concierge message letting them know the account was shared.
-- They’ll now see the account in their **Wallet**.
-
-**For US accounts:**
-- The shared account appears with an **Action required** badge.
-- The shared-to admin will need to **validate** the account by entering test transactions.
-- After validation, they can begin using it.
-
-**For non-US accounts:**
-- The shared account is ready to use immediately — no test transactions required.
-
-## How business bank account sharing works when changing the payer
+---
-When changing the **Authorized Payer** in a Workspace:
+## What happens after you share a business bank account
-- If you have access but the new payer doesn't:
- - You'll be prompted to share the bank account from the Authorized Payer screen.
- - The account shares immediately when you confirm.
- - A confirmation screen appears after successful sharing.
+The receiving admin must validate their copy (required for US accounts) before using the account.
-- If your own copy of the bank account is pending validation, and you try to assign a new payer who doesn’t have access:
- - You’ll see an error prompting you to **validate your account first** by entering the test transactions before changing payers.
+- The selected admins receive a Concierge message notifying them the account was shared.
+- The account appears in their **Wallet**.
-- If **neither** you nor the new selected payer has access:
- - You’ll be shown an error telling you to ask the current payer to share the account.
+**For US accounts:**
+- The account shows an **Action required** badge
+- The admin must validate the account with the test transactions before using it.
+- After validation, the account is ready to use
+
+**For non-US accounts:**
+- The shared account is ready to use immediately — no validation is required.
-This process ensures you can only set an Authorized Payer who already has bank account access or receives access during the payer change.
+[Learn how to validate a business bank account](/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account).
---
@@ -76,33 +63,22 @@ This process ensures you can only set an Authorized Payer who already has bank a
## Why share a business bank account?
-Sharing saves time. You don’t have to redo the full verification process, and it makes it easier to:
-- Change the workspace payer
-- Set up new Workspaces
-- Enable reimbursements without delay
+Sharing saves time by avoiding repeated setup. It also helps when changing the workspace payer or enabling reimbursements quickly.
## Can I share the same bank account with multiple admins?
-Yes. You can share a bank account with multiple admins at once.
+Yes. You can select multiple Workspace Admins when sharing.
-## Why don’t I see the Share option?
+## Why don't I see the Share option?
-You’ll only see **Share** if the bank account is verified and there is at least one eligible Workspace Admin you haven’t shared with yet.
+The **Share** option only appears if:
+- The account is verified
+- There is at least one eligible Workspace Admin you haven’t shared it with
## What if the other admin already has a copy of the account?
-If an admin already has access to the bank account, they won’t appear in the share list.
+They won’t appear in the list of admins you can share with.
## Can a shared admin share the bank account with others?
-Yes — once an admin has validated the account (if required), they can share the bank account with other admins.
-
-## Can I share a bank account during the payer change process?
-
-Yes. If the new payer doesn’t already have access, you’ll be prompted to share the bank account before confirming the payer change. This ensures the new payer can reimburse expenses without delay.
-
-## What happens if I try to set a payer but neither of us has bank account access?
-
-You’ll be shown an error and prompted to ask the current payer to share the account with one of you before proceeding.
-
-
+Yes. Once an admin has validated the account (if required), they can share it with other admins.
diff --git a/docs/articles/new-expensify/wallet-and-payments/Unlock-a-Business-Bank-Account.md b/docs/articles/new-expensify/wallet-and-payments/Unlock-a-Business-Bank-Account.md
index c07317107ed1..d4a3013fd425 100644
--- a/docs/articles/new-expensify/wallet-and-payments/Unlock-a-Business-Bank-Account.md
+++ b/docs/articles/new-expensify/wallet-and-payments/Unlock-a-Business-Bank-Account.md
@@ -1,70 +1,90 @@
---
title: Unlock a Business Bank Account
-description: Learn how to resolve issues with a locked business bank account in Expensify.
-keywords: [New Expensify, unlock bank account, reimbursements, direct debit, ACH, bank rejected withdrawal, retry debit]
+description: Request an unlock for a locked business bank account in Expensify and restore reimbursements and payments.
+keywords: [New Expensify, locked bank account, unlock bank account, reimbursements failed, ACH rejected, bank error, fix bank account, Expensify Card locked, ACH company ID, unlock payment method]
+internalScope: Audience is Workspace Admins with a locked business bank account. Covers requesting an unlock and preventing future lockouts. Does not cover initial bank account setup, validation, sharing, or unsharing.
---
-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.
+# Unlock a Business Bank Account
+
+If your business bank account is locked, Expensify pauses reimbursements and payments to prevent failed debits. You’ll need to request an unlock before the account can be used again.
---
-# Why is the business bank account locked?
+## Why your business bank account is locked
-Common reasons include:
+Bank accounts may be locked after a failed debit attempt or a bank-side restriction. Common reasons include:
-- Your bank account is not enabled for **ACH direct debits**
-- There were **insufficient funds** available during a reimbursement attempt
+- Insufficient funds at the time of reimbursement
- Your bank blocked the debit attempt
+- The bank account isn't enabled for ACH direct debits
+
+When a bank account is locked, you’ll see a **Locked** badge on the account in:
-When this occurs, Expensify pauses reimbursements and locks the verified account as a precaution.
+ - **Settings > Wallet** in the **Bank accounts** section
+ - **Workspaces > [Workspace Name] > Workflows** in the **Payments** section
---
-# How to request an unlock
+## How to unlock a business bank account
-To unlock your account:
+1. In the navigation tabs (on the left on web, on the bottom on mobile) go to **Account > Wallet**.
+2. Click the bank account with the **Locked** badge.
+3. Click **Fix** or **Unlock account**.
+4. Send the message to Concierge to request the unlock.
-1. Go to **Workspaces > [Workspace Name] > Bank Account**.
-2. Click the **Fix** button next to the locked account.
+Concierge will walk you through the next steps to unlock the account, or confirm when your account is ready to use.
-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 return periods.
+---
-# When will the account unlock?
+## What happens after you request to unlock a business bank account
-After we receive confirmation from your bank that a debit has successfully settled, your business bank account will unlock automatically and reimbursements will resume.
+Unlocking is tied to your bank's processing timeline:
-> **Note:** If a reimbursement debit fails, we must wait for the bank to return the attempt before another retry can be triggered. We cannot manually initiate a new debit while a previous one is still processing.
+1. Expensify must wait for the failed debit attempt to fully return from your bank.
+2. Once returned, Concierge will notify you.
+3. You confirm whether you'd like Expensify to retry the debit.
+4. After a successful debit, the account unlocks automatically.
-Once the previous attempt is returned by the bank, Concierge will notify you in your chat. At that point, you’ll be asked to confirm whether you’d like us to retry the debit. Once confirmed, we’ll proceed with the next attempt.
+Expensify cannot manually retry debits until the bank returns the original attempt.
---
-# Enable direct debit with your bank
+## How to prevent your business bank account from locking again
+
+Ask your bank to allow ACH debits from the following originators:
-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 reimbursements via Expensify:
+**For bill payments via Stripe:**
+- ACH Company IDs: 1800948598, 4270465600
+- ACH Originator Name: expensify.com
-- **ACH Company IDs**:
- `1270239450`, `4270239450`, `2270239450`
-- **ACH Originator Name**: `Expensify`
+**For international reimbursements via CorPay:**
+- ACH Company IDs: 1522304924, 2522304924
+- ACH Originator Name: Cambridge Global Payments
-### For bill payments via Stripe:
+---
-- **ACH Company IDs**:
- `1800948598`, `4270465600`
-- **ACH Originator Name**: `expensify.com`
-- [Stripe ACH ID Reference](https://support.stripe.com/questions/ach-direct-debit-company-ids-for-stripe)
+# FAQ
-### For international reimbursements via CorPay:
+## Will I be notified when my bank account is locked?
-- **ACH Company IDs**:
- `1522304924`, `2522304924`
-- **ACH Originator Name**: `Cambridge Global Payments`
+Yes. You’ll see a **Locked** badge in **Wallet** and **Workflows**, and Concierge will message you.
----
+## Can I delete a locked bank account?
+
+No. Locked accounts can't be deleted until they're resolved and unlocked.
+
+## Why hasn’t my account unlocked yet?
-Once your bank has approved these IDs and your account is reviewed, Concierge will notify you when it is unlocked and reimbursements can resume.
+The failed debit may still be processing with your bank. Concierge will notify you as soon as it can be retried.
diff --git a/docs/articles/new-expensify/wallet-and-payments/Unshare-a-Business-Bank-Account.md b/docs/articles/new-expensify/wallet-and-payments/Unshare-a-Business-Bank-Account.md
index b46a450e03ef..20f48dff1431 100644
--- a/docs/articles/new-expensify/wallet-and-payments/Unshare-a-Business-Bank-Account.md
+++ b/docs/articles/new-expensify/wallet-and-payments/Unshare-a-Business-Bank-Account.md
@@ -1,48 +1,50 @@
---
-title: Unshare a business bank account
-description: Learn how to unshare a business bank account from other admins in New Expensify to revoke access instantly.
-keywords: [unshare business bank account, remove bank access, New Expensify Wallet, Workspace Admin, revoke bank permission, Expensify Card settlement]
+title: Unshare a Business Bank Account
+description: Remove another member's access to a shared business bank account in Expensify.
+keywords: [New Expensify, unshare business bank account, revoke access, remove admin, Wallet, bank access, shared business account, remove shared access]
+internalScope: Audience is members with a shared business bank account. Covers revoking shared access to a business bank account. Does not cover initial bank account setup, validation, sharing, or unlocking.
---
-
-# Unshare a business bank account
+# Unshare a Business Bank Account
-If other Workspace Admins have access to your business bank account in Expensify, you can unshare it at any time to revoke their access. Unsharing access is especially helpful when someone changes roles or leaves the company.
+If you’ve shared a business bank account with other members, you can remove their access at any time.
-Unsharing the account removes it from the other admin's Wallet immediately and prevents that admin from using it to reimburse reports, pay bills, or use it with the Expensify Card. We'll still complete any payments in process that the admin issued.
+Unsharing removes the account from the other member’s Wallet immediately. Any payments already in progress will still complete.
---
## Who can unshare a business bank account
-To unshare a business bank account, you must:
-- Be a **Workspace Admin**.
-- Have an active business bank account in your Wallet that at least one other admin can access.
+Any member who has a validated business bank account in their **Wallet** that is shared with another member can unshare it.
---
-## Where to find the unshare business bank account option
+## How to unshare a business bank account
-1. Select **Wallet** from the navigation tabs on the left.
-2. Choose your business bank account and click the **More** (three-dot) menu.
+1. In the navigation tabs (on the left on web, on the bottom on mobile) go to **Account > Wallet**.
+2. In the **Bank accounts** section, find the verified business bank account and select the three dots **(⋮)** next to the account.
3. Select **Unshare**.
+4. Select the members you want to remove.
+5. Click **Unshare**.
+6. Click **Confirm**
+
+You'll see a confirmation once the account has been unshared.
---
-## How to unshare a business bank account
+## What happens after you unshare a business bank account
+
+ - The account is removed from the unshared member's **Wallet** immediately.
+ - The unshared member can no longer use the account for reimbursements, bill payments, or Expensify Card settlement.
+ - The unshared member receives a message from Concierge notifying them of the change.
-1. Go to **Wallet** and open the **More** menu (three dots) on your business bank account.
-2. Click **Unshare**.
-3. A list of all admins with access to that bank account will appear.
-4. Click **Unshare** next to the admin you want to remove.
-5. Confirm in the pop-up modal.
-6. That admin will immediately lose access and receive a Concierge message letting them know.
+**Note:** Any payments already in progress before the bank account was unshared will still complete.
-**Note:** Admins with access can unshare the business bank account from anyone else — even the person who originally added it.
+--
{:width="100%"}
-{:width="100%"}
+{:width="100%"}
{:width="100%"}
@@ -50,12 +52,11 @@ To unshare a business bank account, you must:
---
-## Unsharing when the account is set as Expensify Card settlement account
+## What to do if you can’t unshare a business bank account
-If the admin's copy of the bank account is currently set as the **Expensify Card settlement account**, you'll see an error message and won't be able to unshare from that admin.
+If the bank account is set as an Expensify Card settlement account for that member, you won’t be able to unshare it.
-To resolve this:
-- Click **Reach out to Concierge** in the error message to get help switching the settlement account.
+To resolve this, click **Reach out to Concierge** in the error message. Concierge will help switch the settlement account so you can proceed.
---
@@ -63,18 +64,16 @@ To resolve this:
## Can I unshare a bank account I didn’t originally add?
-Yes. As long as your copy of the business bank account is active, you can unshare it from any admin — including the original sharer.
-
-## Will the other admin be notified when I unshare the bank account?
-
-Yes. They’ll receive a message from Concierge letting them know they no longer have access to the bank account.
-
-## What happens to the unshared bank account?
+Yes. As long as your copy of the business bank account is active, you can unshare it from any member.
-The business bank account is removed from the admin's Wallet. The admin can no longer use the account for any payments or reimbursement features. We'll still complete any payments in process that the admin issued beforehand.
+## Can a bank account be unshared with the original account owner?
-
+Yes. Any member with access can unshare the bank account from another member, including the original account owner.
+## Will the unshared member be notified when I unshare the bank account?
+Yes. They'll receive a message from Concierge letting them know they no longer have access.
+## What happens to processing reimbursements when a bank account is unshared?
+Processing payments will still complete when the account is unshared.
diff --git a/docs/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account.md b/docs/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account.md
index cca49ccf3512..cca943d087af 100644
--- a/docs/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account.md
+++ b/docs/articles/new-expensify/wallet-and-payments/Validate-a-Business-Bank-Account.md
@@ -1,48 +1,70 @@
---
title: Validate a Business Bank Account
-description: Finish connecting your business bank account by verifying test transactions in Expensify.
-keywords: [New Expensify, bank account verification, test deposits, ACH validation, business bank account, workspace payments]
+description: Enter test transaction amounts to complete validation of a business bank account in Expensify.
+keywords: [New Expensify, validate bank account, test deposits, ACH validation, business bank verification, confirm test transactions, micro-transactions, pending bank account]
+internalScope: Audience is all members with a pending business bank account. Covers entering test transactions to validate a bank account. Does not cover initial bank account setup, sharing, unsharing, or unlocking.
---
-Once your business bank account connection is approved in Expensify, you’ll receive a series of **test deposits** to confirm the connection. This step is required before you can start using the account for reimbursements or payments.
+# Validate a Business Bank Account
+
+After your business bank account is approved, Expensify sends three test transactions to confirm ownership. You’ll also receive a message from Concierge that says “Your bank account is almost set up!”.
+
+The three transactions (two small withdrawals and one small deposit) typically arrive within one–two business days. Once they appear in your bank account, enter the exact amounts in Expensify to complete validation and start using the account for reimbursements or payments.
+
+---
+
+## Who can validate a business bank account
+
+Any member who has a **Pending** business bank account in **Wallet** can validate it using the test transactions.
---
-# How to Validate Your Bank Account
+## When can a business bank account be validated
+
+After your business bank account is approved:
+ - Expensify sends three test transactions to your bank account - two small withdrawals and one small deposit.
+ - When the test transactions are sent, Concierge will send a message to notify you that says "Your bank account is almost set up!".
+ - The test transactions will arrive 1-2 days after sending.
+
+## How to validate a business bank account with test transactions
-1. Go to **Workspaces > [Workspace Name] > Bank Account**.
-2. Review the account status:
- - **Verifying** – Expensify requested more info. Check your email for the next steps.
- - **Pending** – Your account is ready for validation. Continue with the steps below.
-3. Within **1–2 business days**, Expensify will send **three test transactions** to your business bank account.
-4. Return to **Workspaces > [Workspace Name] > Bank Account**.
-5. Enter the exact **transaction amounts** when prompted.
+When you see the three test amounts post to your bank account:
-Once submitted correctly, your account will be fully validated and ready to use.
+1. In the navigation tabs (on the left on web, on the bottom on mobile) go to **Account > Wallet**.
+2. In the **Bank accounts** section, click the business bank account with the **Pending** badge.
+3. Enter all three amounts exactly as they appear.
+4. Click **Validate**.
+
+Once the values are confirmed, your business bank account is fully connected and ready to use.
---
-# FAQ
+## What to do if test transactions don't arrive
+
+If the test deposits don't appear after two business days:
+
+1. Confirm that your bank account supports ACH direct debits.
+2. Share the following ACH details with your bank:
+ - **ACH Company IDs:** 1270239450, 4270239450, 2270239450
+ - **ACH Originator Name:** Expensify
+3. If still missing, contact Concierge to re-trigger the test transactions.
-## How Many Test Deposits Will I Receive?
+---
+
+# FAQ
-You’ll see **three transactions**:
-- **Two small withdrawals**
-- **One small deposit**
+## How many test transactions will I receive?
-These are temporary and used to confirm your ownership of the account.
+Three total: two small withdrawals and one small deposit. These are temporary and used only for verification.
-## What If I Don’t See the Test Transactions?
+## What happens if I enter the wrong amounts?
-If the test deposits don’t appear after two business days:
+You’ll be prompted to try again. Multiple failed attempts may temporarily lock validation.
-- Your bank account may not support **ACH direct debits** yet.
-- Provide your bank with the following information to enable ACH access:
+## Can I skip validation if the account was shared with me?
- - **ACH Company IDs**:
- `1270239450`, `4270239450`, `2270239450`
- - **ACH Originator Name**:
- `Expensify`
+No. US bank accounts require validation by entering test transactions. Some non-US accounts may not require this step.
-Still not seeing them? Contact **Expensify Support via Concierge**, and we’ll help investigate.
+## What if I don’t have access to the bank account?
+Another member with access to the bank account must complete the validation.