Instant ACH deposits 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 Instant ACH deposits before they fully clear (typically within 4-5 business days), you might not be able to withdraw any USD, BTC, or ETH until the deposit fully clears. Please see the below examples for an explanation of Instant ACH mechanics:
Example A: Alice has an Available to Withdraw balance of $1,000, and initiates an Instant ACH deposit of $500. Her Available to Trade balance now equals $1,500, and her Available to Withdraw balance remains $1,000. Alice’s $500 Instant ACH deposit will fully clear within 4-5 business 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 Instant ACH deposit fully cleared, her USD Available to Withdraw would drop below $0. This would prevent Alice from withdrawing any USD or BTC from her account until she either:
- waits for her Instant ACH deposit to fully clear;
- sells BTC or ETH to bring her USD Available to Withdraw balance above $0; or
- deposits additional USD via wire transfer.
Example B: Bob has an Available to Withdraw balance of $1,000 and initiates an Instant 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 Instant 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 Instant 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 Instant 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 the Dashboard for up-to-date information about your account balances.