# Adro Help Center

> Hi, how can we help?

## Business accounts

- [Opening an Adro Business account](https://help.joinadro.com/en/articles/11004309-opening-an-adro-business-account.md): Understand the steps, learn what documents you'll need and how long it will take
- [Who can open a business account?](https://help.joinadro.com/en/articles/10316575-who-can-open-a-business-account.md): Your ability to open a business account depends on the industry you operate in.
- [What's the difference between Adro Business vs. Personal accounts?](https://help.joinadro.com/en/articles/10706697-what-s-the-difference-between-adro-business-vs-personal-accounts.md): Understand which account is right for you
- [What's an Employer Identification Number \(EIN\)?](https://help.joinadro.com/en/articles/11013813-what-s-an-employer-identification-number-ein.md): Learn about what it is and how to apply for a US tax ID
- [What are beneficial owners?](https://help.joinadro.com/en/articles/10832423-what-are-beneficial-owners.md): Why does Adro ask about other company owners when opening a business account?
- [How do I add a manager to my business account?](https://help.joinadro.com/en/articles/10832485-how-do-i-add-a-manager-to-my-business-account.md): Learn how to give someone access to your business account
- [How do I set card spending limits?](https://help.joinadro.com/en/articles/10827980-how-do-i-set-card-spending-limits.md): Set employee spending limits for your Adro Business account
- [Can I have more than one business account?](https://help.joinadro.com/en/articles/10707091-can-i-have-more-than-one-business-account.md)
- [How do I create or manage invoices?](https://help.joinadro.com/en/articles/10706503-how-do-i-create-or-manage-invoices.md): Send, edit or cancel invoices from your Adro Business account
- [Add a business card to Google Pay](https://help.joinadro.com/en/articles/10832380-add-a-business-card-to-google-pay.md)
- [Add a business card to Apple Pay](https://help.joinadro.com/en/articles/10832389-add-a-business-card-to-apple-pay.md)
- [How do I receive money from Amazon with Adro Business?](https://help.joinadro.com/en/articles/10832505-how-do-i-receive-money-from-amazon-with-adro-business.md)
- [How do I receive money from eBay with Adro Business?](https://help.joinadro.com/en/articles/10832552-how-do-i-receive-money-from-ebay-with-adro-business.md)
- [How do I receive money from Etsy with Adro Business?](https://help.joinadro.com/en/articles/10832564-how-do-i-receive-money-from-etsy-with-adro-business.md)
- [How do I receive money from MercadoLibre with Adro Business?](https://help.joinadro.com/en/articles/10832585-how-do-i-receive-money-from-mercadolibre-with-adro-business.md)
- [How do I export my business transactions?](https://help.joinadro.com/en/articles/10832469-how-do-i-export-my-business-transactions.md): Learn how to download your transactions as a CSV or QBO file
- [How do I delete a business card?](https://help.joinadro.com/en/articles/10832640-how-do-i-delete-a-business-card.md)
- [I want to close my business account](https://help.joinadro.com/en/articles/10832452-i-want-to-close-my-business-account.md)
- [What's the ACH transfer limit?](https://help.joinadro.com/en/articles/11386378-what-s-the-ach-transfer-limit.md)
- [What's a DBA certificate?](https://help.joinadro.com/en/articles/11818661-what-s-a-dba-certificate.md): Learn what DBA is, and why you need one as a business owner
- [What's the difference between ACH and wire transfer?](https://help.joinadro.com/en/articles/11819019-what-s-the-difference-between-ach-and-wire-transfer.md): Learn the difference between domestic ACH, domestic wire and international wire transfers and the costs to send a transfer.
- [Connect Adro to Intuit QuickBooks](https://help.joinadro.com/en/articles/11825638-connect-adro-to-intuit-quickbooks.md): Learn how to connect your Adro Business account to Intuit QuickBooks.
- [Connect Adro to Xero](https://help.joinadro.com/en/articles/11825713-connect-adro-to-xero.md): Learn how to connect your Adro Business account to Xero.
- [Sending a wire transfer - invoice required](https://help.joinadro.com/en/articles/11853724-sending-a-wire-transfer-invoice-required.md)

## Business registration

- [What are company formation documents?](https://help.joinadro.com/en/articles/10317180-what-are-company-formation-documents.md): These are required to verify your business as part of the Adro Business account opening process.
- [What is foreign registration?](https://help.joinadro.com/en/articles/10478504-what-is-foreign-registration.md): Learn about what it is and what it means for your business
- [If I don’t have a passport, can I still register my business in the US?](https://help.joinadro.com/en/articles/11481605-if-i-don-t-have-a-passport-can-i-still-register-my-business-in-the-us.md)
- [Do I get a real physical business address?](https://help.joinadro.com/en/articles/11481679-do-i-get-a-real-physical-business-address.md)
- [How do I change or update my business information?](https://help.joinadro.com/en/articles/11487557-how-do-i-change-or-update-my-business-information.md)
- [How do I add an owner to my LLC?](https://help.joinadro.com/en/articles/11487598-how-do-i-add-an-owner-to-my-llc.md)
- [Do I get a real US phone number?](https://help.joinadro.com/en/articles/11487763-do-i-get-a-real-us-phone-number.md)
- [What documents do I need to register my business?](https://help.joinadro.com/en/articles/11487849-what-documents-do-i-need-to-register-my-business.md)
- [How much does it cost to register my business?](https://help.joinadro.com/en/articles/11487950-how-much-does-it-cost-to-register-my-business.md)
- [How long does it take to set up an LLC?](https://help.joinadro.com/en/articles/11488230-how-long-does-it-take-to-set-up-an-llc.md)
- [If I register my business in the US, do I automatically need to pay taxes?](https://help.joinadro.com/en/articles/11488349-if-i-register-my-business-in-the-us-do-i-automatically-need-to-pay-taxes.md)
- [What is an EIN and why do I need one?](https://help.joinadro.com/en/articles/11488399-what-is-an-ein-and-why-do-i-need-one.md)
- [Why do I have to apply for a new EIN if I want to change from Single to Multi-Member LLC?](https://help.joinadro.com/en/articles/11488463-why-do-i-have-to-apply-for-a-new-ein-if-i-want-to-change-from-single-to-multi-member-llc.md)
- [What are the annual obligations of an LLC?](https://help.joinadro.com/en/articles/11488558-what-are-the-annual-obligations-of-an-llc.md)

## Get started

- [Why open an Adro account?](https://help.joinadro.com/en/articles/9559992-why-open-an-adro-account.md)
- [Tips for getting started with Adro](https://help.joinadro.com/en/articles/9518655-tips-for-getting-started-with-adro.md): Here's a handy checklist for what to do first.
- [Opening a personal account](https://help.joinadro.com/en/articles/9541534-opening-a-personal-account.md)
- [How does Adro make money?](https://help.joinadro.com/en/articles/9540905-how-does-adro-make-money.md)
- [Are my deposits covered by FDIC?](https://help.joinadro.com/en/articles/9540931-are-my-deposits-covered-by-fdic.md)
- [Is Adro a bank?](https://help.joinadro.com/en/articles/9540965-is-adro-a-bank.md)
- [Who is Stearns Bank?](https://help.joinadro.com/en/articles/9558424-who-is-stearns-bank.md)
- [How do I receive direct deposits from an employer or school?](https://help.joinadro.com/en/articles/9555705-how-do-i-receive-direct-deposits-from-an-employer-or-school.md)
- [How do I download the Adro app?](https://help.joinadro.com/en/articles/9541415-how-do-i-download-the-adro-app.md)
- [How do I set up two-factor authentication \(2FA\)?](https://help.joinadro.com/en/articles/9558230-how-do-i-set-up-two-factor-authentication-2fa.md): Learn what two-factor authentication is, and how it helps to protect your account
- [What do you do with my information?](https://help.joinadro.com/en/articles/9653463-what-do-you-do-with-my-information.md): Adro does not sell your email or personal information to third party companies.
- [How do I know what app version I'm using?](https://help.joinadro.com/en/articles/9579899-how-do-i-know-what-app-version-i-m-using.md)
- [What languages does Adro support?](https://help.joinadro.com/en/articles/9558558-what-languages-does-adro-support.md)
- [Do I earn interest in my savings or checking account?](https://help.joinadro.com/en/articles/9558622-do-i-earn-interest-in-my-savings-or-checking-account.md)
- [Can I add account nicknames?](https://help.joinadro.com/en/articles/9559471-can-i-add-account-nicknames.md)
- [What are your support hours?](https://help.joinadro.com/en/articles/9560545-what-are-your-support-hours.md): What is Adro's hours of operation for the contact center?
- [Can I open more than one account?](https://help.joinadro.com/en/articles/9560663-can-i-open-more-than-one-account.md)
- [How do I verify my address?](https://help.joinadro.com/en/articles/9566759-how-do-i-verify-my-address.md)
- [Do you offer business accounts?](https://help.joinadro.com/en/articles/9579704-do-you-offer-business-accounts.md)
- [Do you offer joint accounts?](https://help.joinadro.com/en/articles/9579716-do-you-offer-joint-accounts.md)
- [Does my account have overdraft?](https://help.joinadro.com/en/articles/9580201-does-my-account-have-overdraft.md)
- [Do you do a credit check when opening an account?](https://help.joinadro.com/en/articles/9655353-do-you-do-a-credit-check-when-opening-an-account.md)
- [What visa types does Adro support?](https://help.joinadro.com/en/articles/9972061-what-visa-types-does-adro-support.md): To sign up, you'll need to submit proof of an approved US visa
- [I have an idea or feature suggestion](https://help.joinadro.com/en/articles/9558321-i-have-an-idea-or-feature-suggestion.md)
- [I'm having trouble verifying my identity](https://help.joinadro.com/en/articles/9654873-i-m-having-trouble-verifying-my-identity.md)
- [I closed my account, but I'd like to rejoin](https://help.joinadro.com/en/articles/9559454-i-closed-my-account-but-i-d-like-to-rejoin.md)

## Cards

- [How does the Adro Credit card work?](https://help.joinadro.com/en/articles/9690435-how-does-the-adro-credit-card-work.md): Learn how the reserve account works, and how it helps you from overspending
- [How does Adro help build US credit history?](https://help.joinadro.com/en/articles/9560615-how-does-adro-help-build-us-credit-history.md)
- [How do I activate my Adro card?](https://help.joinadro.com/en/articles/9702776-how-do-i-activate-my-adro-card.md): Once you've received your card in the mail, you'll need to activate it before making your first purchase.
- [How does my spending limit or credit limit work?](https://help.joinadro.com/en/articles/9566928-how-does-my-spending-limit-or-credit-limit-work.md)
- [How do I use my virtual card to make purchases?](https://help.joinadro.com/en/articles/9764157-how-do-i-use-my-virtual-card-to-make-purchases.md)
- [Ordering a physical card](https://help.joinadro.com/en/articles/9541511-ordering-a-physical-card.md): Order a new or replacement debit or credit card
- [I ordered a card, where do I get tracking details?](https://help.joinadro.com/en/articles/9560406-i-ordered-a-card-where-do-i-get-tracking-details.md)
- [My card is lost or has been stolen](https://help.joinadro.com/en/articles/9558133-my-card-is-lost-or-has-been-stolen.md)
- [How do I freeze \(lock\) my card?](https://help.joinadro.com/en/articles/9541088-how-do-i-freeze-lock-my-card.md)
- [Where is my refund? I returned a purchase](https://help.joinadro.com/en/articles/9557742-where-is-my-refund-i-returned-a-purchase.md): I bought an item and returned it to the store, but I don't see the refund on my Adro card.
- [Add a card to Google Pay](https://help.joinadro.com/en/articles/9540984-add-a-card-to-google-pay.md)
- [Add a card to Apple Pay](https://help.joinadro.com/en/articles/9541068-add-a-card-to-apple-pay.md)
- [Add a card to PayPal](https://help.joinadro.com/en/articles/9558813-add-a-card-to-paypal.md)
- [Add a card to Venmo](https://help.joinadro.com/en/articles/9558848-add-a-card-to-venmo.md)
- [Can I use my Adro card outside of the US?](https://help.joinadro.com/en/articles/9559850-can-i-use-my-adro-card-outside-of-the-us.md)
- [What happens if a store doesn't support tap to pay?](https://help.joinadro.com/en/articles/9559880-what-happens-if-a-store-doesn-t-support-tap-to-pay.md)
- [Can I do a cash advance?](https://help.joinadro.com/en/articles/9560600-can-i-do-a-cash-advance.md)
- [My card was declined. Why did this happen?](https://help.joinadro.com/en/articles/9560640-my-card-was-declined-why-did-this-happen.md)
- [What is a pre-authorization or hold on my account?](https://help.joinadro.com/en/articles/9575234-what-is-a-pre-authorization-or-hold-on-my-account.md)
- [Can I dispute or cancel a transaction?](https://help.joinadro.com/en/articles/9575270-can-i-dispute-or-cancel-a-transaction.md)
- [Can I add a supplementary cardholder or authorized user?](https://help.joinadro.com/en/articles/9579757-can-i-add-a-supplementary-cardholder-or-authorized-user.md)

## Move money

- [How do I add money to my account?](https://help.joinadro.com/en/articles/9559665-how-do-i-add-money-to-my-account.md)
- [How to move money from a US bank](https://help.joinadro.com/en/articles/9827410-how-to-move-money-from-a-us-bank.md): Set up and initiate transfers from your other US account to Adro
- [How do I send money to someone with a US account?](https://help.joinadro.com/en/articles/10235849-how-do-i-send-money-to-someone-with-a-us-account.md)
- [How do I withdraw cash from an ATM?](https://help.joinadro.com/en/articles/9557869-how-do-i-withdraw-cash-from-an-atm.md): How much does it cost to withdraw cash from an ATM? What's my daily limit?
- [I'm outside the US and need to pay tuition](https://help.joinadro.com/en/articles/9660370-i-m-outside-the-us-and-need-to-pay-tuition.md)
- [Does my account come with checks?](https://help.joinadro.com/en/articles/9541145-does-my-account-come-with-checks.md)
- [How do I deposit checks?](https://help.joinadro.com/en/articles/9580274-how-do-i-deposit-checks.md)
- [How do I pay a bill?](https://help.joinadro.com/en/articles/9691699-how-do-i-pay-a-bill.md)
- [What is Plaid? Why is it used for account linking?](https://help.joinadro.com/en/articles/9559796-what-is-plaid-why-is-it-used-for-account-linking.md)
- [How do I receive tuition refunds from my school?](https://help.joinadro.com/en/articles/9759094-how-do-i-receive-tuition-refunds-from-my-school.md)
- [How much does it cost to receive an international transfer?](https://help.joinadro.com/en/articles/9560652-how-much-does-it-cost-to-receive-an-international-transfer.md)
- [How do I link Adro to my Wise account?](https://help.joinadro.com/en/articles/9709561-how-do-i-link-adro-to-my-wise-account.md)
- [Does Adro work with Zelle?](https://help.joinadro.com/en/articles/9820773-does-adro-work-with-zelle.md): Signing up, sending and receiving money through Zelle
- [Does Adro work with Revolut?](https://help.joinadro.com/en/articles/9998027-does-adro-work-with-revolut.md): Signing up, sending and receiving money through Revolut
- [Does Adro work with Cash App?](https://help.joinadro.com/en/articles/10014307-does-adro-work-with-cash-app.md): Link any Adro card or account to CashApp to move money seamlessly
- [An account holder has passed away](https://help.joinadro.com/en/articles/9555736-an-account-holder-has-passed-away.md)
- [Why can't I link my account?](https://help.joinadro.com/en/articles/10305690-why-can-t-i-link-my-account.md): Why is account linking not available?
- [How to move money to an international bank account](https://help.joinadro.com/en/articles/11029549-how-to-move-money-to-an-international-bank-account.md): Set up and initiate transfers from your Adro account to a bank outside the US

## Your profile

- [Signing into Adro with Face ID or fingerprint](https://help.joinadro.com/en/articles/9575217-signing-into-adro-with-face-id-or-fingerprint.md): Use biometric login on iOS or Android
- [Update your password](https://help.joinadro.com/en/articles/9541213-update-your-password.md)
- [How do I change my address or phone number?](https://help.joinadro.com/en/articles/9555720-how-do-i-change-my-address-or-phone-number.md)
- [Can I change my name on my Adro card or account?](https://help.joinadro.com/en/articles/9560536-can-i-change-my-name-on-my-adro-card-or-account.md)
- [When is my account statement available?](https://help.joinadro.com/en/articles/9558888-when-is-my-account-statement-available.md)
- [What is a proof of funds letter?](https://help.joinadro.com/en/articles/9541568-what-is-a-proof-of-funds-letter.md)
- [Do I have to pay tax on earned cashback?](https://help.joinadro.com/en/articles/9558062-do-i-have-to-pay-tax-on-earned-cashback.md)
- [How do I change my email address?](https://help.joinadro.com/en/articles/9558868-how-do-i-change-my-email-address.md)
- [My account is frozen or suspended](https://help.joinadro.com/en/articles/9559972-my-account-is-frozen-or-suspended.md)
- [I'm not receiving verification codes](https://help.joinadro.com/en/articles/9575333-i-m-not-receiving-verification-codes.md)
- [I'm locked out of my account](https://help.joinadro.com/en/articles/9718262-i-m-locked-out-of-my-account.md)
- [I want to close my account](https://help.joinadro.com/en/articles/9559911-i-want-to-close-my-account.md)
- [What is a dormant or inactive account?](https://help.joinadro.com/en/articles/10872214-what-is-a-dormant-or-inactive-account.md)
- [How do I check my credit score?](https://help.joinadro.com/en/articles/11032110-how-do-i-check-my-credit-score.md)

## Perks and promotions

- [How does cashback work?](https://help.joinadro.com/en/articles/9541224-how-does-cashback-work.md): This applies to the Adro Mastercard \(Adro Credit Card\) only
- [How does the referral program work?](https://help.joinadro.com/en/articles/9560666-how-does-the-referral-program-work.md)
- [Get 6 months of Amazon Prime Student](https://help.joinadro.com/en/articles/9908887-get-6-months-of-amazon-prime-student.md): Start your 6-month trial and then enjoy Prime at half the price