# Add funds

**Cover increased refunds and chargebacks by adding funds to your balance.**
To keep your business healthy when your account has a negative balance or when you expect an increase in customer refunds, you can add funds directly to your balance using a wire or bank transfer.
You can proactively add funds to use for future refunds or chargebacks. These funds are held separately from your earnings, payouts, and funds from other Stripe products.
## **Add funds**
To add funds to your balance:
1. Determine how much you want to add to your balance.
1. Navigate to the **Balances** tab.
1. Click **See details**.
   Stripe Express Dashboard balance overview showing a total balance of $1,155.00 with the See details button highlighted
1. Click **Add to balance**.
   Stripe Dashboard 'Your balance' detail panel showing payouts on the way to the bank, reserve funds for future refunds and disputes, and the Add to balance button highlighted
1. Add the amount, select whether you want to use a wire or ACH Credit transfer, review Stripe’s bank information, and click **Submit**.
1. You’ll get a confirmation message that we’re awaiting your transfer; click close and you'll be returned to your Balances page.
1. Optionally, if the dialog prompts you for a receipt, upload a screenshot or the file that proves that your bank transferred the funds.
1. To fund your Stripe balance faster, you might be asked to include a screenshot or PDF of your bank’s transfer or wire confirmation.
## **View and use your funds**
To see the total amount of funds in your account, go to your balances page. Refunds and disputes are processed from your available balance. If you receive an email about debiting your bank account, first check your balance.
### **Payouts**
If you don’t need to have extra funds set aside, you can pay them out to your bank.
## **Settlement timing**
Funds typically show up in your balance within 1 to 7 business days, depending on the method used to add funds. For ACH transfers, it usually takes 1 to 5 business days.