Congratulations — you're one step away!
Please review the verification deposit terms and conditions below before continuing.
Quick Summary
- We send a verification deposit to confirm your bank account is real and active.
- You send that exact amount back — that's the last step before your full funding is released, usually within 45 minutes.
- This amount is not your funding amount — please don't spend it.
1 Verification Deposit Terms & Conditions
We deposit the verification amount via mobile deposit; you'll typically see it in your account by the next morning, per your bank's standard terms.
- You need to send the verification amount back to complete the process — after that, we release your full funding amount within 45 minutes maximum.
- Sending the verification amount back is the final step before your funds are released.
- You'll receive a confirmation email today and an instruction email the next morning.
- If you don't receive the instruction email, reach out via live chat and we'll provide it manually.
2 What Happens If the Verification Amount Isn't Returned
To protect against fraud, the following applies if the verification amount isn't sent back as agreed:
- The verification amount is reversed from your account automatically. If funds aren't available, your account may go negative and you'd be responsible for any resulting overdraft fees.
- It may negatively affect your standing with us going forward.
- You would not be able to receive future funding through UpStart Cash.
- Depending on the circumstances, further consequences may apply.
We do this to prevent fraud and protect the process for everyone.
3 How Do I Send the Verification Amount Back?
We don't accept direct bank transfers for this step to help prevent fraud. Your live chat specialist will confirm the exact method to use for your situation — this is always explained clearly, and you can ask questions at any time.
4 Who Pays Any Card or Transfer Fees?
We do. If applicable, we deposit a small additional amount to cover any transfer fees — for example, if your verification amount is $500, we may deposit $520 to cover fees (typically no more than $15).
5 How Long Does It Take to Receive Funding After Verification?
Typically no more than 45 minutes once your verification amount is confirmed returned.
6 When Will I Receive My Loan Documents?
Documents are available on request — just ask your live chat specialist and they'll send a copy to your email address.
By clicking "I Agree," you accept the terms and conditions above to proceed with verification and funding.
Your reference number: L972914