# Bank Transfers

## Frequently Asked Questions

* **Does GiveWise store any banking information**? No, GiveWise does not store any banking information. GiveWise uses a banking platform called Zum Rails which allows you to contribute to your fund directly from your linked bank accounts.<br>
* **Why are my contributions showing in “Pending” state?** When you make a contribution directly from your linked bank account, you are beginning the transfer of funds. Banks will take some time to verify these transactions. When the transaction is verified by the bank, it will be marked as “Cleared” or “Cancelled” / “Failed” if the transaction could not be verified.<br>
* **Can I use funds that are in the “Pending” state?** No. Once the contribution is marked in the “Cleared” state, the funds will be available in your Giving Wallet, will appear on the Tax Receipt, and will be available to gift to charities.<br>
* **How long will my contribution take to clear the bank?** Your contribution will take up to 2 business days.


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