> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xpaycheckout.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual Bank Accounts

> Digital bank accounts that provide businesses with real bank account details without traditional banking setup.

## What are Virtual Bank Accounts?

Virtual Bank Accounts are digital representations of real bank accounts that provide businesses with actual bank routing and account numbers. They enable businesses to receive payments, track transactions, and manage their financial operations through a streamlined digital interface.

## Account Details

Each Virtual Bank Account provides comprehensive banking information:

<Card>
  <div><Icon icon="building-columns" />   <span className="font-bold text-[16px]">Account Information </span></div>

  <ul>
    <li><strong>Account Number</strong> - A real bank account number</li>

    <li>
      <strong>Routing Information</strong>:

      <ul>
        <li>Domestic Fast Credit (ACH)</li>
        <li>Domestic Wire</li>
        <li>Global Wire (SWIFT)</li>
      </ul>
    </li>

    <li><strong>Currency</strong> - USD</li>
  </ul>
</Card>

## Transaction Management

The system tracks all VBA transactions including:

<ul>
  <li><strong>Deposit amounts</strong> - Track all incoming payments to the VBA</li>
  <li><strong>Statement descriptors</strong> - Clear descriptions that appear on bank statements</li>
</ul>

## Balance Tracking

Merchants can check their VBA balance in real-time through the dashboard.

#### Balance Features

<ul>
  <li><strong>Real-time balance tracking</strong></li>
  <li><strong>Balance monitoring through dashboard</strong></li>
</ul>

***

VBAs essentially provide the functionality of a real bank account through a digital interface, making it easier for businesses to manage their financial operations without the complexity of traditional banking relationships.