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.
Click here for information on why the 65-day withdrawal restriction exists.
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.
IMPORTANTThe 65-day withdrawal restriction only applies to U.S. bank accounts that were not linked to Uphold via bank account credentials but with account numbers. If you wish to avoid this delay, simply deposit using alternative funding methods, or link another bank account that can be linked using your bank account credentials.