Updated
Limits on transfers and spending
For security purposes, we limit the amount of money that can be transferred into and out of your Cash Account. The limits depend on the transfer method and account features you’re using.
Standard transfers from the app or website (not including wires)
Transfers initiated on Wealthfront are sent using three different methods: RTP, FedNow, and ACH. RTP/FedNow transfers usually arrive at your bank within minutes, 7 days per week. ACH transfers usually arrive by the next business day. Please keep in mind, fund availability depends on the receiving institution.
When you submit a transfer, we’ll automatically choose a method based on eligibility. Each method has a different daily limit:
- ACH: $250,000 daily
You can still submit transfers above this amount, they’ll just be split across multiple business days. - RTP/FedNow: To see your RTP/FedNow limit, go to make a transfer in the app. Keep in mind that RTP/FedNow transfers count towards the $250,000 daily limit. While there’s no charge to send these transfers, some institutions may charge a fee to receive them. Check with your bank for details.
Note: Transfers that originate from a third-party institution will be subject to the account and routing number limits below. This includes transfers that use your Wealthfront account and routing numbers and transfers from accounts that are linked to Wealthfront using Plaid.
Account and routing numbers
Account and routing numbers are available for Individual and Joint Cash Accounts. If you have multiple Cash Accounts, daily withdrawal limits are shared across them. For Joint Accounts, if your co-owner has a higher daily limit, you’ll share that limit on the joint account, but it will be impacted by your co-owner’s activity on that account as well as any other associated accounts.
Below are the total daily limits for withdrawals using these numbers. Any transaction that exceeds the limit will fail to process. The limit may change over time, but you can always see the latest in your Cash Account, when you select Manage > Account & routing numbers.
Withdrawal limit: at least $50,000 daily*
For larger transactions, you can send a free wire transfer, but keep in mind that receiving institutions may charge a fee.
*Certain account and routing number providers have higher daily limits for federal tax payments submitted to the IRS.
ATMs, debit cards, and banks
These limits apply to Individual and Joint Cash Accounts that have checking features enabled. These limits are applied on a per-card basis.
- Overall spending limit: $10,000 daily
- ATM withdrawals: up to 10 withdrawals per day and $1,000 total
- Point of sale (POS) cash back: $2,500 daily
- Funding transactions: $5,000 daily
- Teller withdrawals: $3,000 monthly
- Cash deposits: $3,000 daily (the retailer may charge a fee of up to $5.95)
Keep in mind that ATM withdrawals, POS cash back, funding transactions, and teller withdrawals all count towards your daily spending limit.
Funding transactions refer to using your debit card to fund a third-party payment method or financial institution (ex: loading a prepaid Visa card, adding value to a digital wallet, or funding a peer-to-peer payment via debit card).
Wire transfers
You can make a wire deposit into your Cash Account, or send a wire transfer from any Cash Account for free. We don’t charge a fee for wire transfers, but keep in mind that the receiving or sending institution might.
- Wire transfers: No limit
- Wire deposits: No limit
Send a check and check deposits
You can send a check from Individual and Joint Cash Accounts for free, and deposit a check from the Wealthfront app. For Joint Cash Accounts, both your and your co-owner’s transactions will count towards these limits.
- Send a check: $25,000 per check with no daily limit**
- Deposit a check: $10,000 monthly. You can deposit up to 10 checks per day, and 25 per month.
**For processing purposes, you’re not able to send multiple checks of the same dollar amount at the same time.
The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account.
The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account.
Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. 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. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.
Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.
Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow service, enabling same day withdrawals. 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 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. Processing times may vary.
Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement.
The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details.
Wealthfront Advisers and Wealthfront Brokerage are wholly-owned subsidiaries of Wealthfront Corporation.
Copyright 2026 Wealthfront Corporation. All rights reserved.
Comments are moderated prior to publication