The "Create Unverified Funding Source" endpoint allows merchants to manually add a customer's bank account using their routing and account numbers. This endpoint should only be used when sending credits (transferring funds from the merchant's bank to the customer's bank). Since the bank account will not be verified, it can only be used for credits (outbound transfers). If you need to debit the customer's account, use Plaid Authorization instead. To add a funding source to a customer, you will need to follow the steps below: 1. Create a Customer 2. Add a Funding Source — This step links a bank account to your Customer's profile. While it's authorized for direct credits, debit capability requires Plaid verification. Follow the next steps. 3. For accounts that require debit capability, use Plaid Authorization to add and verify the bank account — micro-deposit initiation is deprecated as of June 8, 2026. 4. Listen for funding source webhooks 5. Start creating direct credits / subscriptions