FAQs  >  Topic: Funding

What are the fees, funds availability, and cutoff times for transferring funds?

To decide which method of transferring funds is right for you, compare the following details about fees, funds availability, and cutoff times.

Quick Transfer (ACH) Check Transfers Wire Transfers Internal Cash Transfers
Deposit Fees No fee No fee No fee No fee
Withdrawal Fees No fee • First Class Mail: $5
• Overnight Domestic: $30
• International Mail: $10
• Saturday Domestic Delivery: $25
• Domestic Wires (Wires to a bank in the USA): $25
• International Wires: $50
No fee
Funds availability for trading Funds are available for trading two business days after they are successfully posted to your account (typically three business days after the request to transfer funds.) Funds are available for trading three business days after they are successfully posted to your account. Funds are available for trading as soon as they are posted to your account, but will not count towards your Day Trading Buying Power until the following business day.

Funds deposited by wire to satisfy a call will be available for trading the following business day.

Once processed, funds are available for trading the following business day.
Funds availability for withdrawal Funds are typically available for withdrawal six business days after they are posted to your account. However, all electronic deposits are subject to review and may be restricted for 60 days. Funds are available for withdrawal 10 business days after receipt. Funds are available for withdrawal one business day after they have posted to your account.

Funds deposited by wire to satisfy a call are available for withdrawal two business days following posting to the account.

Funds are available for withdrawal as soon as they are posted to the receiving account.
Deposit request cutoff times Deposit requests submitted by 4:30 p.m. ET on a business day are posted the following business day.

Deposit requests submitted after 4:30 p.m. ET, on a weekend, or on a holiday are posted the second business day after the request.

Checks received by 2:00 p.m. ET on a business day are usually processed the same day.

Checks received after 3:00 p.m. ET on a business day, on a weekend, or on a holiday are processed the following business day.

Wires received prior to 2:00 p.m. ET on a business day will be credited the same day.

Wires received after 2:00 p.m. ET on a business day, on a weekend or on a holiday are credited the next business day.

Requests received prior to 3:00 p.m. ET on a business day will be initiated the same day.

Requests received after 3:00 p.m. ET, on a weekend, or on a holiday are initiated the following business day.

Withdrawal request cutoff times

All withdrawals are subject to review.

Withdrawal requests submitted by 2:00 p.m. ET on a business day will be processed the same day.

Withdrawal requests submitted after 2:00 p.m. ET, on a weekend or on a holiday will be processed the following business day.

Withdrawal requests submitted by 3:00 p.m. ET on a business day are usually processed the same day.

Withdrawal requests submitted after 3:00 p.m. ET on a business day, on a weekend, or on a holiday are processed the following business day.

Wire requests received prior to 2:00 p.m. ET on a business day will be sent the same day.

Wire requests submitted 2:00 p.m. ET on a business day, on a weekend or on a holiday are processed the following business day.

Requests received prior to 3:00 p.m. ET on a business day will be initiated the same day.

Requests received after 3:00 p.m. ET on a business day, on a weekend, or on a holiday are initiated the following business day.