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How long do Cash Account withdrawals take to arrive?

Cash Account withdrawals generally arrive within 1-2 business days, but many are eligible to arrive faster. The exact timing depends on when the receiving bank posts the transaction. Recently deposited funds may not be available for withdrawal as deposits can take up to 5 business days to process.

Withdrawal speed depends on the transfer method that’s used. We send transfers using ACH, RTP, and FedNow networks, and automatically select the best option based on availability.

  • ACH transfers usually arrive within 1-2 business days, but can arrive within the same day if they’re submitted early enough.
  • RTP/FedNow transfers should arrive at your bank within minutes. RTP/FedNow eligibility depends on the receiving institution and transfer limit. You can see details in the Wealthfront app when you go to make a withdrawal. 

Keep in mind that we sometimes need to review transfers for security purposes, which can cause transfers to take longer than usual. If manual review is needed, we’ll give you a heads up prior to submitting, along with an updated arrival time. Fund availability depends on the receiving institution.

You can make unlimited withdrawals from your cash account. We don’t charge a fee for ACH, RTP, or FedNow withdrawals, or for outgoing wire transfers from Individual, Joint, or Trust Cash Accounts, though receiving institutions may charge a fee.

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This communication has been prepared solely for informational purposes only. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security.

Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), a Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. We convey funds to partner banks who accept and maintain deposits, provide the interest rate, and provide FDIC insurance. Investment management and advisory services--which are not FDIC insured--are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and financial planning tools are provided by Wealthfront Software LLC (“Wealthfront Software”).

We’ve partnered with Green Dot Bank. The checking features offered on your Wealthfront Cash account are provided by and the Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Checking features for the Cash Account are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Wealthfront products and services are not provided by Green Dot Bank. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Copyright 2024 Green Dot Corporation. All rights reserved.

To wire funds, they must be fully-cleared prior to wiring and recently deposited funds may take longer to clear for a wire than other transfer methods. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement.

Wealthfront Advisers, Wealthfront Brokerage, and Wealthfront Software are wholly owned subsidiaries of Wealthfront Corporation.

Copyright 2024 Wealthfront Corporation. All rights reserved.

Please note, Real-Time Payments (RTP) transfers and FedNow instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 business day holding period before becoming available for transfer. Wealthfront doesn’t charge for transfers, but some receiving institutions may impose an RTP or FedNow fee.