You can sign up from your Dutchie account or directly at checkout. To sign up from your account:

1. Go to Dutchie.com and sign in.
2. Click My account (desktop) or the avatar icon (mobile).
3. Select Bank Account.
4. Click Sign Up and follow the on-screen prompts to link your checking or savings account via Plaid.

You can also sign up at checkout — if the dispensary accepts Pay by Bank, select Pay with Pay by Bank and follow the prompts to link your account.

Pay by Bank connects to checking and savings accounts and is supported by 95% of US financial institutions. Supported banks will appear in the Plaid flow when you sign up.

The following are not currently supported:

• Prepaid cards
• Neo-banks (such as Chime)
• Non-USD/CAD accounts

If your bank doesn't appear during signup, or you see error code F102 or E001, your institution is not currently supported. Try linking a different account or use an alternative payment method.

Some banks ask you to approve data sharing during the Plaid linking flow. Make sure both Profile Information and Statements are checked when prompted. If data sharing is not enabled, the link will fail.

If the error persists, try the linking process again and ensure data sharing is enabled. If you're having trouble logging into your bank itself, contact your bank directly — Dutchie does not have access to your bank login credentials.

1. Go to dutchie.com and enter your city, state, zip code, or full address in the search bar.
2. Click Start Shopping or hit Enter.
3. Use the filters on the left-hand side to select Accepts Pay by Bank.

Pay by Bank is available at participating dispensaries only. Not every Dutchie-powered dispensary has enabled it. Use the filter on Dutchie.com or ask your budtender to confirm Pay by Bank is accepted at your location before placing your order.

1. At the dispensary, scan the Pay by Bank QR code.
2. Log in to your Pay by Bank account.
3. If it's your first visit to that dispensary, show the budtender your barcode or have them enter it manually to link your account to the store.
4. Your order will appear on your phone. Add a tip if you'd like, then tap Confirm.
5. You'll see a confirmation that your payment was successful.

Yes — if you placed an online or mobile order and didn't select Pay by Bank at checkout, you can still switch to it before your order is fulfilled. Look for the Pay by Bank button in your order confirmation email or SMS.

Important things to know:

• You must switch before the dispensary finalizes your order at the register.
• This is only available for online/mobile orders — not kiosk orders.
• The Pay by Bank button only appears if the dispensary has both Pay by Bank and order confirmation emails enabled.

As with any Pay by Bank order, ensure sufficient funds remain in your account until the charge posts — generally the next business day after your order is completed.

Pay by Bank does not debit your account at the moment of purchase. Your account is charged one business day after your order is completed at the dispensary. You may not see the charge appear immediately — ACH payments are not instant.

To avoid any issues, keep the full purchase amount available in your account until the transaction shows as posted in your banking app. If you shop on a weekend or holiday, the charge may not post until the following business day.

For ecommerce orders, a balance check occurs both when you place the order online and again when the order is finalized at the register. For in-store orders, the balance check only happens at the register.

This can vary by bank, but Pay by Bank transactions generally appear with the name of the dispensary where the order was placed, along with "Pay by Bank" or a combination of both.

If you see a line item that includes "RETRY PYMT", this is not a new charge — it's an attempt to collect payment on a previous transaction that failed. Learn more about retry transactions.

Dutchie does not charge any fees for signing up or using Pay by Bank. However, individual dispensaries may apply their own payment processing fees. If you have questions about fees on a specific order, contact the dispensary directly.

Yes — our Post-Checkout guide walks through exactly how to switch to Pay by Bank after placing an online or mobile order, including what order types are eligible, what to do if you don't see the Pay by Bank button in your confirmation, and important timing details about when funds are debited.

Yes. Paying with Pay by Bank doesn't affect your loyalty points or any dispensary discounts. Everything applies as normal at checkout.

Contact your bank directly for assistance. Dutchie does not have access to your bank login credentials and cannot reset passwords or grant access to your bank account.

Contact the dispensary directly as soon as possible — orders are processed quickly and may already be fulfilled. The dispensary is responsible for processing all refunds for Pay by Bank orders.

If an order is cancelled before it is completed at the register, no charge will be made to your account. If you cannot reach the dispensary, contact Dutchie Support for help locating their contact information.