Deposits and Funds Availability

Written by Wealthable
Updated 2 years ago

How long does it take to see deposits?

Great question! These are not automatic and can sometimes take up to 7 business day but generally speaking, it takes 1-3 business days for ACH transfers between banks. 

Why would my funds not be available immediately?

Our policy is to make funds from your deposits available to you as soon as we reasonably can. That means, in some cases, funds will be available immediately upon our receiving your deposit. Electronic and ACH deposits will be available to you the same day we receive the funds (typically the effective date of the ACH). In other cases, we may need to review the deposit and delay the funds’ availability. In such a case, funds may not be available until up to the 7th business day following the deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. 

Reasons funds availability may be delayed include, but are not limited to: 

  • We have a reasonable belief that a deposit will not clear. 
  • You deposit more than the allowed amount, $2,500, in a business day. 
  • There is an emergency, such as failure of communications or computer equipment. 
  • You are a new customer(meaning your account has been open for less than 30 days). 


We will notify you via email if we delay your ability to withdraw funds for any of these reasons beyond the normal 1-3 business days it takes for ACH. We will tell you when the funds will be available. They will generally be available to you no later than the 7th business day after the day of your deposit, but many times sooner.  

Known accounts that do not allow debits
These will be returned and you will need to restart the linking process with a different bank account 


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