How to Add a Bank Account and Select Investment Options

In this article we will discuss:

How to link a bank account with your ABLE account
Account holds that happen when you add a new bank account

How to Add a Bank Account

You can easily add or link a bank account in the online portal:

Log in to your ABLE account
Open the “Settings” tab located underneath your name and account number, in the upper left of your screen
Select Bank accounts
Click Link a bank account
Sign in to your account online
Open the “Settings” tab located underneath your name and account number, in the upper left of your screen
Select Bank accounts
Choose how to link the bank:
- Instant login / online:
  - Select Add bank account
  - Search for your bank and sign in using your online banking username and password
  - Pick the account (checking or savings) you want to use
  - Login to that bank
  - Select the account(s) that you would like to add
- Manual entry:
  - Select Need to connect a bank account manually? near the bottom of the page
  - Enter the Account holder name
  - Select either checking or savings
  - Enter the bank’s routing number (9 digits)
  - Enter your bank account number
  - Enter a bank nickname
  - Upload a statement or a voided check
- Review and save
Submit and review any next steps
- After you submit, the system may:
  - Approve the bank right away, or
  - Ask for additional documentation if information can’t be confirmed automatically.
- Follow the on‑screen instructions if extra documents are requested.
Watch for account holds
- There is a 10-day hold on withdrawals to any edited/new bank account after you change your banking information.
- This does not mean something went wrong—it is a standard security step.
- You can still contribute from the new bank account while the withdrawal hold is in place.

If you cannot add a bank after following these steps, see the “I Am Having Trouble Opening an Account” article and the "Unable to Add a Bank to My Account" article for more detailed troubleshooting.

How to Choose Investment Options

This article explains how to:

Find more information about your investment options
Understand how to choose investments — and where to get advice

How do I find more information on the investment options?

The best place to find full details on all the investment options is in the Plan Disclosure Booklet.

The Plan Disclosure Booklet has a full description of:

Each investment option
Fees and expenses
Risks and how often portfolios can be changed

You can find the Plan Disclosure Booklet at the bottom of your ABLE program’s website under “Plan Resources.” This document may sometimes also be called the Program Disclosure Booklet or the Plan/Program Disclosure Statement.

You can also find information about investment options on your ABLE Program website and in the account portal when you are setting up your account or making a contribution, but the best resource will always be the Plan Disclosure Booklet.

Which investments should I pick?

Please ask a financial advisor, tax professional, or benefits counselor for guidance about which investments you should pick. They can help you better understand how an investment may affect your overall financial situation and benefits.

Choosing investments depends on your goals, timing, comfort with risk, and financial situation, among other things. The program and service team cannot give personalized investment advice or tell you which option is best.

We can: Explain how the options work and where to find more information.
We cannot: Recommend a specific portfolio, mix of options, or strategy for you.

For help changing your current investments or directing future contributions, see the “Manage Investments and Future Contributions" article in the help center.

Changing Your Investments

If you would like to change how your money is invested, you have a couple options:

Move your current investments into a new investment option
Change how your future contributions are invested while leaving existing funds where they are

You can learn how to complete these actions in our “Manage Investments and Future Contributions” article.