The following restrictions apply to ACH deposits:
- ACH deposits are limited to $100,000 over seven business days. Same day ACH deposits are limited to $100,000.
- Eligible US clients of US Financial Advisors have an ACH deposit limit of $250,000 over seven business days.
- This service is exclusively available for US currency deposits originating from accounts held under your name at US banks that support ACH transfers.
- For deposits received before 2pm EST, funds become available for withdrawal following the completion of a 4-business-day credit hold period. Deposits received after 2pm EST are subject to a 5-business-day hold before funds can be withdrawn.
- Your withdrawal will be subject to a 44-business-day withdrawal hold period unless you withdraw funds via ACH to the same bank account from which you made your deposit.
Please Note
- All ACH deposits received before 2:00 PM EST are subject to a 4-business-day hold; deposits received after the cutoff will require a 5-business-day hold period. 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
- Limitations and credit and withdrawal hold periods for ACH deposits available on our website