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. However, keep in mind that you won't be able to withdraw the deposited ACH funds for 65-days.
If you don’t want to wait for 65-days, you can withdraw back to the originating bank account after just 4-5 business days following the deposit (once the funds have settled).
The 65-day cooling-off period only applies deposits from a U.S. bank account via the ACH Network. If you wish to avoid this delay, simply deposit using alternative funding methods.