How Do I Transfer Undeposited Funds to Bank in Zoho

When you receive payments through Zoho, the funds are initially held as undeposited funds. You can transfer these funds to your bank account to make them available for use. To do this, go to the Banking module and select “Undeposited Funds.” Choose the transactions you want to transfer and click on the “Transfer to Bank” button. Enter the bank account where you want to transfer the funds, specify the amount, and confirm the transfer. Once the transfer is complete, the funds will be deposited into your bank account and will be available for use.

Initiation of Fund Transfers in Zoho

To initiate fund transfers from Zoho to your linked bank account, follow these steps:

  1. Access Zoho Finance and navigate to the “Banking” module.
  2. Click on the “Manage Accounts” tab.
  3. Select the bank account from which you want to transfer funds.
  4. Click on the “Transfer Funds” button.
  5. Enter the transfer details, including the amount and recipient’s bank account information.
  6. Review the transaction and click on “Confirm Transfer” to complete the process.

Note: You must have sufficient balance in your Zoho Finance account to complete the transfer.

Table of Fund Transfer Status

InitiatedThe transfer has been initiated but is awaiting processing by the bank.
ProcessingThe bank is processing the transfer.
CompletedThe transfer has been completed and the funds have been credited to the recipient’s account.
FailedThe transfer has failed due to insufficient funds or other errors.

Identifying Undeposited Funds

In Zoho, undeposited funds refer to payments received but not yet deposited into your bank account. They are typically displayed in the “Undeposited Funds” section of your Zoho Books dashboard.

To identify undeposited funds:

  1. Log in to Zoho Books.
  2. Go to the “Banking” tab.
  3. Click on “Undeposited Funds”.

You will see a list of all your undeposited funds, including:

  • Date of payment
  • Customer name
  • Invoice number
  • Amount

Transferring Undeposited Funds to Bank

To transfer undeposited funds to your bank account:

  1. Log in to Zoho Books.
  2. Go to the “Banking” tab.
  3. Click on “Undeposited Funds”.
  4. Select the funds you want to transfer.
  5. Click on “Transfer”.

You will be prompted to enter the details of your bank account. Once you have entered the information, click on “Transfer”.

The transfer process may take a few days, depending on your bank.

Additional Notes

  • You can transfer multiple undeposited funds at once.
  • You can also set up automatic transfers to avoid having to manually transfer funds.
  • If you have any questions about undeposited funds or bank transfers, please contact Zoho support.
Undeposited FundsPayments received but not yet deposited into your bank account.
TransferThe process of moving funds from one account to another.

Selecting the Target Bank Account

To successfully transfer undeposited funds to a bank account, you must first select the target bank account. Here are the steps involved in selecting the target bank account:

  • Log into your Zoho account.
  • Navigate to the ‘Banking’ tab.
  • Select the ‘Bank Accounts’ option.
  • A list of your existing bank accounts will be displayed.
  • Click on the ‘Add Bank Account’ button.
  • Enter the details of the bank account you want to transfer funds to.
  • Click on the ‘Save’ button.

Once you have selected the target bank account, you can proceed to transfer the undeposited funds.

Bank NameThe name of the bank where the target bank account is held.
Account NumberThe account number of the target bank account.
Routing NumberThe routing number of the target bank account.

Initiating a Transfer

To transfer undeposited funds to your bank account in Zoho:

  1. Navigate to the “Banking” tab in the Zoho interface.
  2. Click on “Transfers” from the left-hand menu.
  3. Select “From” and “To” accounts for the transfer.
  4. Enter the amount to be transferred.
  5. Review the transfer details and click “Transfer”.

Confirmation and Processing of Transfers


  • Once you initiate the transfer, you will receive an email confirmation.
  • The transfer status will be displayed as “Processing” in Zoho.


The transfer processing time may vary depending on your bank’s policies and weekends/holidays:

Transfer TypeProcessing Time
Standard Transfers1-2 business days
Expedited TransfersSame day or next business day (fees may apply)

Once the transfer is complete, you will receive a notification from Zoho and the funds will be reflected in your bank account.

Alright folks, that’s a wrap on our guide to transferring those pesky undeposited funds to your bank account in Zoho. I hope you found this article helpful and if you did, please feel free to drop a like, share it with your fellow Zoho users, or leave a comment below. Remember, if you have any more questions or need further assistance, don’t hesitate to reach out to the Zoho support team. Until next time, keep calm and keep your funds flowing smoothly!