Why am I restricted from withdrawing bank transferred funds?
Funds deposited via ACH move quickly, but withdrawal timing depends on where you are sending them.
- ACH deposit initiated before 4:00 PM ET → Funds will post to your account the same day after 5:00 PM ET.
- ACH deposit initiated after 4:00 PM ET → Funds will post to your account the next business day after 5:00 PM ET.
Withdrawing to the Originating Bank
Funds deposited via ACH can be withdrawn back to your originating bank account 3 business days after the funds have posted.
Withdrawing to Other Accounts
Withdrawals to any other destination — another bank, brokerage, or crypto wallet — are eligible 60 calendar days after the funds have posted. This 60-day window helps protect against fraud and ensures compliance with industry regulations.
If you know you’ll need quicker or more flexible access, we recommend using a wire transfer instead of ACH:
- Wire transfers typically settle the same business day.
- Funds sent via wire are not subject to the 60-day withdrawal restriction.