When are ACH deposited funds available for withdrawal? – GalaxyOne

Withdrawal timing for ACH deposits depends on where the funds are being sent.

Withdrawing to the Originating Bank

ACH deposits can be withdrawn back to your originating bank account 3 business days after the funds have posted.

Withdrawing to Other Accounts

Withdrawals to a different destination — another bank, brokerage, or crypto wallet — are available 60 calendar days after the funds have posted.
This 60-day window helps protect against fraud and ensures compliance with industry regulations.

Faster Access with Wire Transfers
If you need quicker or more flexible access, consider 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.

See also: When do ACH deposited funds post?

Trending