ACH bank for US customers

When you deposit funds from your US bank via the ACH Network, we’ll instantly credit the money into your Uphold account for you to start trading. This means you can buy, hold and sell assets immediately after an ACH deposit.

Accessing cryptocurrencies, such as bitcoin and XRP, has never been easier and you can deposit up to $10,000 a day, depending on the ACH linking method used.

You can find step-by-step guides for both ACH and wire transfer deposits here.

Refer to our Fees & Limits FAQ for details on the maximum and minimum deposit and withdrawal limits, as well as the applicable fees.

When linking your bank account using Plaid, you enable the ability to pull funds from that bank account directly into your Uphold account via the ACH network.

There are two ways to link your bank account via ACH. Depending on which you choose, you may be subject to a 65-day withdrawal restriction. You can get step by step guides to both processes here. 

1. The first is via Bank Credentials Authentication which does not entail a 65-day withdrawal restriction.
   
   In this case, Plaid takes the account logins you provide, encrypts the financial data requested (such as an account balance), and then supplies it to Uphold with a secure connection. Plaid obscures your login data to protect you, only sharing the information required by Uphold to support the deposit request.
   
   
   Funds deposited via ACH using Bank Credentials Authentication are instantly available to start trading and can be withdrawn once they are settled, after just 4-5 business days.
   
   
   
2. The second is via Micro-Deposits Authentication which does entail a 65-day withdrawal restriction.
   
   

   Instant Micro Deposits
   This method is fast and is used for banks that support RTP or FedNow. You'll need to provide your full name, and your bank's account and routing numbers. Shortly after, you'll receive a small deposit of $0.01 in your bank account. This deposit will include a unique code in its description. Enter this code into the Uphold app to finalize linking your account.

   Standard Micro Deposits
   With this method, after you input your bank details, wait for up to two business days to receive two small deposits, each less than $1.00, in your bank account. Confirm the exact amounts of these deposits in the Uphold app to verify that you own the bank account. This method ensures your privacy by not sharing your account balance with Uphold.
   
   

   Funds deposited via ACH using any of the Plaid Micro-Deposits Authentications are instantly available to start trading but are subject to the 65-day withdrawal restriction.
   
   You can learn more about why we impose a 65-day withdrawal restriction in this circumstance under "Why does the 65-day withdrawal restriction exist?". 

When attempting a deposit from a linked bank account, you’ll see one of the two screens below, depending on whether you linked that bank account using Bank Credentials Authentication, or Micro-Deposits Authentication with any restriction on withdrawal clearly marked.

Bank Credentials Authentication	Micro-Deposits Authentication

If your bank account was linked using Bank Credentials Authentication and you’re seeing the 65-day withdrawal restriction for your bank deposits, it means that we’ve lost connection with your bank. To fix that please remove and add again your bank account.

We’re working on a fix to improve this experience.

When you perform a deposit from your US bank via the ACH Network, we’ll instantly credit the money into your Uphold account for you to start trading. 

This means you can buy, hold and sell assets immediately after an ACH deposit. However, keep in mind that you won't be able to send or withdraw the deposited ACH funds for 65 days.

If you don’t want to wait for 65 days, you can always withdraw back to the originating bank account after just 4-5 business days following the deposit, once the funds have settled.

Keeping our community safe is our top priority.

Unfortunately, there is widespread abuse of the ACH system across the financial services industry. Depending on the security tied to the method used to link your bank account, we may need to apply the 65-day withdrawal restriction for the funds deposited.

Please note that the 65-day cooling-off period only applies to deposits performed with  U.S. bank accounts linked via Micro-Deposits Authentication and not via Bank Credentials Authentication. 

Remember: you can always withdraw the deposit back to your US bank account after just 4-5 business days, once the funds settle.

If you wish to avoid this delay, simply deposit using alternative funding methods, or link another bank account that can be linked via bank account credentials.