If an ACH deposit (including instant deposits) is reversed or returned by the sending bank and this results in a liquidation in your account, your account will be placed under a "Cash Up Front" restriction for 90 days.
For example, if you initiate an ACH or instant deposit, trade using those funds, and the deposit subsequently fails or is pulled back—resulting in a liquidation—your account will be subject to a 90-day "Cash Up Front" restriction.
During this restriction period, you will be required to have sufficient settled cash in your account before placing any buy orders. This requirement is in place to comply with regulatory requirements that mandate full cash payment must be made prior to the purchase of securities.