Auto Top-Ups through Plaid

Never worry about your Account having a low Account balance with Auto Top-Ups through Plaid!

Ethan avatar
Written by Ethan
Updated over a week ago

NorthOne's Auto Top-up feature is an incredibly convenient way to ensure that you never have to worry about your Account balance.

With Auto Top-ups, you can set a minimum balance threshold for your Account and NorthOne will automatically add funds when it dips below that balance. This means that you don't have to worry about manually topping up your Account, and you can be sure that you'll always have the funds you need to cover your payments.

Please be mindful that the minimum balance threshold that can be set for all accounts is $25.

Please note:

  1. Only 2 Top-ups are allowed per NorthOne Account per month. Once the 2 Top-ups are completed for the month, no automated Top-ups can occur until the following month.

  2. The External Account you are transferring from must hold at least $100 and 1.5x the transfer amount, at the time of transfer initiation


During sign up, you can set your default balance threshold and funding amount. If you’d prefer to monitor your balance manually, select the button that says ‘No, I will monitor my balance manually’. You can always enable top ups once your Account is open (more on that below).


To opt into Auto Top-Ups after you’ve signed up, follow these steps:

If you are using Web Banking (desktop or laptop)

1. Log into your Account and select ‘Settings’ at the top of your screen

2. Select ‘Auto Top-Ups’ at the bottom of your screen

3. Set your Balance Threshold amount

4. Set your Auto Top-Up Amount

5. Select ‘Manage Accounts’ if you need to add a new External Account through Plaid, or connect an existing linked External Account.

If you are using the Mobile App

To opt into Auto Top-Ups for existing Accounts or after the onboarding experience from your mobile app, follow these steps below:

1. Log into your Account, then select the menu on the top left of your screen.

2. Select ‘Manage Bank Account’

3. Select ‘Auto Top-Ups’

4. Once under the Auto Top-Up section, toggle on or off the feature

5. If toggling on for the first time, set your balance threshold amount, auto top-up amount, and connect your external Account through Plaid


If your external Account needs to be adjusted at any point in time, go to the Auto Top-ups section on your Account and select the connected external Account. Once selected, you can click on ‘select an a different account with this institution’ or ‘link a different institution’, depending on the external Account you are looking to connect.

Note: this feature can be turned off at any time by deselecting the Auto Top-Up button.

If you have push notifications enabled on your mobile device, you will be notified via email and push notification if your top-up transfer is initiated, completed, or failed.

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

For more information, please see our Deposit Account Agreement.

Banking services provided by The Bancorp Bank, N.A., Member FDIC.

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