Bank transfer deposits (ACH) are made available for trading immediately and are made available for withdrawal within 4-5 business days once they fully clear. Please Note that if you purchase BTC or ETH with any pre-credited bank transfer deposits before they fully clear (typically within 4-5 business days), you might not be able to withdraw that USD, BTC, or ETH until your deposit fully clears. Please see the below example for an explanation of pre-credited bank transfer deposit mechanics:
Example A: Alice has an Available to Withdraw balance of $1,000, and initiates an pre-credited bank transfer deposit of $500. Her Available to Trade balance now equals $1,500, and her Available to Withdraw balance remains $1,000. Alice’s $500 pre-credited bank transfer deposit will fully clear within 4-5 days at which point her Available to Withdraw balance will increase to $1,500.
If Alice were to buy >$1,000 worth of BTC before her pre-credited bank transfer deposit fully clears, her USD Available to Withdraw would drop below $0. This would prevent Alice from withdrawing any USD (or equivalent amount of BTC) from her account until she either:
- waits for her pre-credited bank transfer deposit to fully clear;
- sells BTC or ETH to bring her USD Available to Withdraw balance above $0;
- deposits additional USD via wire transfer; or
- deposits additional BTC or ETH.
Example B: Bob has an Available to Withdraw balance of $1,000 and initiates a Bank Transfer (ACH) deposit of $100. His Available to Trade balance now equals $1,100 and his Available to Withdraw balance remains $1,000. Bob's $100 Bank Transfer (ACH) deposit will fully clear within 4-5 business days at which point his Available to Withdraw balance will increase to $1,100.
If Bob were to buy $200 worth of ETH before his Bank Transfer (ACH) deposit fully cleared, his USD Available to Withdraw balance would drop to $800. Since Bob's Available to Withdraw balance did not drop below $0, he can still freely transfer all digital assets from his account and up to =<$800 worth of USD. Once Bob's Bank Transfer (ACH) deposit fully clears, he can freely transfer the remaining $300 worth of assets in his account.
Note: You can always check the Activity Feed panel on the right side of your Dashboard for up-to-date information about your account balances.