If I don’t want to verify my account instantly, I can manually verify my account in 1 to 3 days with small deposits posted to the account. Will that work for customers who don’t have online credentials or who don’t want to enter them?

Yes. If you choose not to verify your external account instantly, you can complete the verification later using the small deposit (micro-deposit) process. The deposits typically appear within 1-3 business days, after which you can return to Digital Banking to finish verification.