Why isn't my deposit available for trading?

 If your bank account is linked instantly (via Plaid):

Up to $1,000 can be instantly deposited if we are able to validate a suitable amount of funds in your bank account. Any deposit larger than $1,000 will take between 1-2 business days, depending on the time you initiated the transfer:

• If you initiated the deposit before 2PM CST, your funds will arrive in your account on the next business day
• If you initiated the deposit after 2PM CST, your funds will arrive in your account in 2 business days

There are a couple things to be aware of regarding instant deposits:

1. Instant funding is currently only offered on your first deposit of the day.
2. Bank accounts linked via micro deposits (manually) are not offered instant funding at this time.
3. If we are unable to verify a suitable balance in your bank account or if there are any connection disruptions with your bank institution, we will not offer the instant funding option at this time.

If your bank account is linked manually (via micro-deposits):

All ACH deposits are held for four business days before they become available for trading. In other words, this means that funds will become available for trading on the 5th business day after the deposit request. 

 

Example of holding time:

• Mon: Client submits ACH at Noon (before 2 pm Central cutoff time)
• Tue: Day 1 of Hold
• Wed: Day 2 of Hold
• Thur: Day 3 of Hold
• Fri: Day 4 of Hold
• Following Mon: First-day funds are available in buying power.