From August 13th 2020, you can trade ACH deposits instantly on Uphold, without the legacy 4-7 days cooldown period.
However, the funds take up to three business days to settle. You can start trading right away, which is why the funds show in your total balance, but you’ll have to wait for them to settle 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 email@example.com.