ACH deposits are processed regularly throughout the day and ACH deposits are subject to a 4 business day credit hold before funds are available for trading.
Clients who submit their ACH deposit request by 2pm EST will have access to their funds after the 4th business day; for clients who submit their ACH deposit request after 2pm EST will have access to their funds after the 5th business day due to the 2pm EST processing cutoff time.
Examples of Credit Hold
- Client submits ACH deposit request at 11am EST on Monday. Funds would be credited early Friday AM.
- Client submits ACH deposit request at 3pm EST on Tuesday. Funds would be credited early Tuesday AM on the following Tuesday.
Note
- All deposits made by ACH are subject to a standard 4 business days credit hold. Though funds may be released earlier at IBKR's sole discretion (depending on tenure, deposit history and account balance), IBKR does not provide any guarantees of the accelerated provision on all ACH deposits.
- Brokers receiving ACH funds transfer to portfolio margin accounts will not have the funds credited to the account until the funds are settled. If you seek immediate use of funds in your portfolio margin account, you may wish to consider a wire transfer.
Additional Information
- ACH deposits, including the time of credit to the account and limitations, are available on our website.