From August 13th 2020, you can trade ACH deposits instantly on Uphold, without the legacy 4-7 days cooldown period.
However, the funds can take up to three business days to settle, which needs to happen before you can withdraw them using the Uphold Card.
We know this isn’t great and we’re working on ways to improve this experience.
If you believe you received an insufficient funds message by mistake, please contact us at cardsupport@uphold.com.