tractatus/docs/FIND_STRIPE_BANK_HOLDER_NAME.md

# How to Find and Change Stripe Bank Account Holder Name

## Problem: Can't Find the Bank Account Holder Name Setting

You've changed the Stripe account name ✅, but need to find where to change the bank account holder name.

---

## Method 1: Through Payout Settings (Most Common)

### Step-by-Step:

1. **Go to Payouts Settings**
   - URL: https://dashboard.stripe.com/settings/payouts
   - Or: Dashboard → Settings (⚙️) → Payouts

2. **Find "Bank accounts and debit cards" Section**
   - Scroll down if needed
   - Should be in the middle/bottom of the page

3. **Look for Your TSB Account**
   - Should show: "Bank account ending in **6-85**" or "••••6-85"
   - May show: "NZD bank account"
   - Currency: NZD

4. **Click on the Bank Account**
   - Click anywhere on the bank account row
   - OR click the three dots (⋮) menu → "View details"
   - OR click "Edit" if visible

5. **Look for "Account holder name" Field**
   - Should be in the bank account details
   - Current value: Probably "MySovereignty Digital" or blank
   - **Change to**: `John Geoffrey Stroh`

6. **Save Changes**
   - Click "Save" or "Update"

---

## Method 2: If You Can't Edit the Existing Account

If the field is greyed out or there's no edit option:

### Option A: Remove and Re-add Bank Account

**Step 1: Remove Old Account**
1. Go to: https://dashboard.stripe.com/settings/payouts
2. Find your bank account (ending in 6-85)
3. Click three dots (⋮) → "Remove" or "Delete"
4. Confirm removal

**Step 2: Add Bank Account with Correct Name**
1. On same page, click **"Add bank account"**
2. Fill in:
   - **Country**: New Zealand
   - **Currency**: NZD
   - **Account holder name**: `John Geoffrey Stroh` ← CRITICAL
   - **Routing number**: (bank code - Stripe may auto-detect)
   - **Account number**: `15-3959-0667036-85`
3. Click "Add bank account"

**Step 3: Verify Account**
- Stripe will verify (usually instant for NZ banks)
- OR they'll send micro-deposits (2 small amounts)
- Confirm the amounts if asked

**Step 4: Set as Default**
- Once verified, set as default payout method
- Go to: Settings → Payouts
- Click "Set as default" if not already

---

## Method 3: Through Bank Accounts Tab (Alternative Location)

1. **Go to Settings**
   - URL: https://dashboard.stripe.com/settings
   - Or click Settings (⚙️) in left sidebar

2. **Look for "Bank accounts" or "Payment methods"**
   - May be a separate section from Payouts
   - Usually near "Business details" or "Team"

3. **Click on Your Bank Account**
   - Should show your TSB account
   - Click to edit

4. **Update Account Holder Name**
   - Change to: `John Geoffrey Stroh`
   - Save

---

## Method 4: Through Account Details (If Individual Account)

If you have an Individual account (not Company):

1. **Go to Account Settings**
   - URL: https://dashboard.stripe.com/settings/account

2. **Look for "Personal details" Section**
   - Should show your name
   - This might control the bank account holder name

3. **Verify Name is Set**
   - Should say: "John Geoffrey Stroh"
   - If you just changed this, it might auto-update bank account

4. **Check Payouts Again**
   - Go back to: https://dashboard.stripe.com/settings/payouts
   - Check if bank account holder name updated automatically

---

## Where Exactly to Look (Visual Guide)

### On Payouts Page:

```
Settings → Payouts
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Payout schedule
  [X] Automatic
  Daily

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Bank accounts and debit cards        ← LOOK HERE

  NZD bank account  ••••6-85           ← CLICK THIS
  Account holder: MySovereignty... ❌   ← NEED TO CHANGE

  [⋮] Edit | Remove

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
```

### When You Click the Bank Account:

```
Bank account details
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Country: New Zealand
Currency: NZD
Account number: ••••••••6-85
Routing number: 15-3959

Account holder name: [MySovereignty Digital]  ← CHANGE THIS
                     ▼
Account holder name: [John Geoffrey Stroh]   ← TO THIS

[Cancel]  [Save]                              ← CLICK SAVE
```

---

## What If You Still Can't Find It?

### Scenario 1: No Bank Account Listed

**If you see NO bank account** in Settings → Payouts:

1. Your account might not be fully set up
2. Go to: https://dashboard.stripe.com/settings/payouts
3. Click **"Add bank account"**
4. Add with correct name: "John Geoffrey Stroh"

### Scenario 2: Bank Account Shows But No Edit Option

**If bank account shows but you can't edit**:

This means Stripe has locked the field (common for verified accounts).

**Solution:**
1. Contact Stripe Support: https://dashboard.stripe.com/support
2. Message: "I need to update my bank account holder name from 'MySovereignty Digital' to 'John Geoffrey Stroh' to match my bank account. The field is locked. Can you please update it or unlock it?"
3. They'll update it within 24 hours

**OR:**
- Remove bank account (if allowed)
- Re-add with correct name

### Scenario 3: Multiple Bank Accounts

**If you see multiple accounts**:

1. Find the one ending in **6-85**
2. Make sure it's the TSB account
3. Edit that one specifically
4. Set it as default after updating

---

## Quick Troubleshooting

### "I don't see 'Bank accounts and debit cards' section"

**Check:**
- Are you in Settings → Payouts? (Not just "Settings")
- Try scrolling down the page
- Try different browser (Chrome/Firefox)
- Check you're in Live mode (not Test mode)

### "The account shows but there's no edit button"

**Try:**
- Click directly ON the bank account row (not the menu)
- Look for pencil icon (✏️) or "Edit" link
- Try three dots menu (⋮) → Edit/Manage
- If still nothing → Contact Stripe Support

### "I can remove it but not edit it"

**Do this:**
1. Remove the old account
2. Add new account with correct name
3. Verify the new account
4. This is actually easier than editing!

---

## Verification After Changing

After you update (or add new account), verify:

**Go to:** https://dashboard.stripe.com/settings/payouts

**Check:**
1. ✅ Bank account ending in **6-85** exists
2. ✅ Account holder name shows: "John Geoffrey Stroh"
3. ✅ Currency: NZD
4. ✅ Status: Verified (or Default)

**If all ✅** → You're done! Payouts will work.

---

## Alternative: Let Stripe Support Do It

If you're stuck after trying all methods above:

1. **Open Stripe Support**
   - URL: https://dashboard.stripe.com/support
   - Or: Dashboard → Help (?) → Contact support

2. **Send This Message:**
   ```
   Subject: Update bank account holder name to match bank account

   Hi,

   I need to update my bank account holder name to comply with TSB
   New Zealand's payment verification requirements.

   Current bank account holder name: "MySovereignty Digital"
   Needs to be changed to: "John Geoffrey Stroh"

   Bank account: NZD account ending in 6-85 (15-3959-0667036-85)

   This matches my legal bank account holder name. TSB requires
   exact name matching for payout acceptance.

   Can you please update this for me, or unlock the field so I can
   edit it myself?

   Thank you!
   ```

3. **They'll respond within 24 hours** and fix it for you

---

## Most Likely Location

**90% of the time, it's here:**

1. Dashboard → Settings (⚙️)
2. Click **"Payouts"** in left menu
3. Scroll to **"Bank accounts and debit cards"**
4. Click on your bank account (ending in 6-85)
5. Field: **"Account holder name"**
6. Change and Save

**If not there:**
- The field might be locked → Contact Stripe Support
- OR the account needs to be re-added with correct name

---

## Summary

**You've done:** ✅ Stripe account name → "John Geoffrey Stroh"

**Still need:** Bank account holder name → "John Geoffrey Stroh"

**Where to find it:** Settings → Payouts → Bank accounts → Click account → Edit holder name

**If stuck:** Contact Stripe Support (they're very helpful and respond fast)

**Next step after this:** Verify both names match, then wait for payout!

---

**Created**: 2025-10-18
**Status**: Account name done ✅, bank account holder name in progress
**Goal**: Get both set to "John Geoffrey Stroh" so TSB accepts payouts