Deposit Summary
⚡ Deposits processed by the FedNow® Instant Payment Service
Viviana S. Rogers · TA-0001234567
From (Parent)
Davah Rogers
To (Child)
Viviana S. Rogers — TA-0001234567
Purpose
College deposit 2026
YTD Contributions
$750.00 of $5,000 annual limit
Total Payment
$100.25
$0
$5,000 limit
⚠ This deposit would exceed the $5,000 annual contribution limit.
Action
Processing Log
// Ready — click "Generate Deposit QR Code" to start
Parent Scans This on Their Phone
📱
QR code will appear here
after you generate a session
Parent scans with their phone camera
and enters their bank account details
🎓 Viviana’s Reward Points
0
pts
+10 points earned!
Online Music
Contests
Online Games
Family Rewards
Every deposit earns +10 points · Perks unlock at 50 pts
💳 How Fast Will Your Deposit Be Processed?
After scanning the QR, the parent enters their bank's routing number. idebit® automatically selects the fastest available rail.
| Bank Example |
Routing # |
Rail Selected |
Settlement |
| Bank of New Hampshire |
211770271 |
⚡ FedNow® Instant |
Seconds |
| Glacier Bank |
292970825 |
🕐 Same-Day ACH |
~4 hours |
idebit® checks every routing number against the Federal Reserve's FedNow participant directory and routes to the fastest available rail automatically.
1
Generate deposit session
One API call with amount, child's account ID & memo. Returns a session token valid for 10 minutes.
2
QR code displayed
The idebit® SDK renders the QR. Parent scans it with their phone camera — no app required.
3
Parent enters bank details
Routing number + account number on their phone. idebit® detects FedNow® eligibility in real time.
4
Instant confirmation + receipt
Deposit confirmed via FedNow® or ACH. Parent downloads a PDF receipt. Child's account is credited.