# Verify a new ACH Direct Debit customer using micro-deposits

### If a customer fails or opts out of instant verification, Stripe will verify their bank account by sending micro-deposits. These deposits may take 1-2 business days to appear in the customer's account. Customers have 3 attempts for amount-based micro-deposits or 10 attempts for descriptor-based micro-deposits to complete the verification process.
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If your customer has failed or opted out of using the instant verification flow for any reason, Stripe automatically does one of the following to verify the customer’s bank account instead:
* **Amount:** Sends two micro-deposit amounts to the customer’s bank account, with a statement descriptor that reads “ACCTVERIFY”.
* **Descriptor Code**: Sends a single micro-deposit to the customer’s bank account with a unique, 6-digit descriptor code at the beginning of the company name field ([**PaymentIntents API only**](https://stripe.com/docs/payments/ach-debit/accept-a-payment)).
## Additional Information
* These micro-deposit transfers can take 1-2 business days to appear in a customer’s bank account.
* Your customer will have 3 attempts for amount-based microdeposits or 10 attempts for descriptor-based microdeposits to complete bank account verification.
* If the maximum number of attempts to verify your customer’s bank account information has been met, [contact Stripe Support](/email) for additional assistance.