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How soon can I withdraw deposited funds?
Check deposits can be withdrawn by check or ACH 10 business days from the date of deposit or via a Fed funds wire 30 business days from the date of deposit. Wire deposits can only be withdrawn via a wire after the funds have been held for one business day.
ACH deposits must remain in your account for a minimum of seven business days prior to withdrawal for clearance purposes and may only be withdrawn via ACH to the bank account of origin. These holds apply to both non-retirement accounts and IRAs. In addition, if your deposits to an IRA are made via account transfers (ACATs), the funds are available for distribution 30 business days from the date of deposit. Other conditions may apply.