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Key Takeaways
- The announcement covers US AWS customers, personal or business accounts at US banks and payments in USD. It does not establish eligibility for banks worldwide or every AWS account.
- New customers can choose Bank Account during signup; existing customers add it through Payment preferences. The 60-day, paid-invoice and $100 requirements apply to the separate manual-entry path.
- A bank linked during signup is the default for future invoices. Making it the default is optional when adding it to an existing account, so check the selected method afterward.
- AWS adds no ACH fee, but initiating a debit and completing settlement are different. Payment can take up to 20 days to complete, even when the console shows Succeeded.
Who can sign up with a bank account, and what changed?
On October 11, 2026, AWS announced that customers in the United States can sign up and pay for AWS services with a personal or business USD account at a US bank. Previously, new customers needed a credit or debit card to complete signup. The change adds a bank-linking path; it does not turn the older manual ACH requirements into a worldwide signup rule.
ACH direct debit authorizes AWS to debit the linked bank account. AWS says this payment method has no additional AWS charge. Charges for cloud services still apply, and the announcement does not promise to waive bank-side fees or charges for other services.
How new and existing customers link a bank account
During signup, new customers choose Bank Account on the AWS signup page, then select their bank from the available options. The announcement describes authentication through the bank's mobile app or online banking to verify ownership. The linked account becomes the default for future AWS invoices.
Existing customers open Payment preferences in the AWS Billing and Cost Management console, choose Add payment method, then Link your bank account. Follow the bank-selection and authentication flow. Setting the bank as the default payment method is optional, so successful addition alone does not establish that the default has changed.
Linking uses the bank's authentication process, which may require multi-factor authentication or consent to share additional information. AWS documents a connection through Finicity to verify ownership, and says online banking credentials stay with the bank and are not accessed or stored by AWS. Immediate ownership verification does not mean every bank is listed, the AWS account is activated or an invoice payment has settled.
The 60-day and $100 rules belong to manual entry
For manually adding a direct debit account, the guide requires all four conditions: the AWS account was created at least 60 days ago; at least one invoice was paid in full in the previous 12 months; cumulative payments reached at least $100 in that period; and USD is the preferred payment currency. These manual-entry conditions should not be applied to the newly announced linked-bank signup flow.
Manual entry also requires an ACH-enabled checking account at a US bank and a valid US billing address for the principal account holder. Personal accounts require a US driver's license or other state-issued ID information; business accounts require a Federal tax ID. Bank account and routing numbers are entered manually on this path. A general overseas bank account does not satisfy these requirements.
If eligible, use Add payment method in Payment preferences, select Bank account (ACH) as described in the guide, then choose Personal or Business and supply the corresponding information.
Check the default method and account activation separately
Review the added methods in the Payment method section of Payment preferences. To designate one as the default, choose Set as default beside it. AWS notes that some methods may require additional actions, such as completing tax registration or selecting a supported payment currency.
Business operators also need the relevant billing permissions: AWS says IAM users require explicit permission for some Billing console pages. An unavailable page or default button does not establish that your bank is unsupported, and is not a reason to link through an account you do not own.
Bank verification does not replace the rest of signup. AWS's advanced signup reference still requires a valid payment method, may require identity verification and tells customers to wait for an activation email after completing signup. It says activation usually takes a few minutes but can take up to 24 hours. This advanced signup guide describes account activation; bank linking and payment settlement are separate steps.
Why Succeeded does not necessarily mean settlement is complete
The ACH guide says AWS provides an invoice and initiates the charge to the payment method within 10 days of the start of the month. Initiating the debit is separate from final completion. Payment can take up to 20 days to complete successfully, even if the Billing and Cost Management console already shows Succeeded.
When tracking payment status, record bank ownership verification, AWS account activation, debit initiation and final settlement separately. Allow for this processing period when planning bank balances or payment timing, rather than treating the debit as an instant transfer.
Check more than one default when invoices have different sellers
If you receive invoices from multiple AWS service providers, or sellers of record (SORs), the payment preferences guide says you can use payment profiles to assign a payment method to each provider. A single account default should therefore not be assumed to determine the method used by every invoicing provider.
The announcement explicitly describes the linked bank as a method for future AWS invoices. It does not establish that an older unpaid invoice will automatically be reprocessed against it. Check bank options, account permissions and applicable payment conditions in your own AWS and bank interfaces.
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Frequently Asked Questions
Can I delete this bank account if I want to stop using it?
The payment preferences guide requires another valid payment method to be set as the default before removal. Then select the method in Payment preferences and choose Delete. Merely adding another method does not establish that the original bank can be removed without first replacing the default.
Why do this account's preferences not take effect during billing transfer?
AWS says the bill transfer account controls payment preferences for AWS Organizations invoices whose bills are transferred. The bill source account can configure or change its preferences, but they do not take effect while billing transfer is active. Identify the account responsible for payment before repeatedly linking a bank.