What is Instant Deposit

The instant deposit allows you to have early access to your deposit while your money is on the way.

You’ll receive up to $1,000 in instant deposits. Although you get instant access to funds, the ACH withdrawal could happen after your deposit is settled.

Please make sure you have sufficient funds in your bank account after you initiate the ACH transfer to prevent a transfer reversal. A transfer reversal happens when a scheduled bank transfer is canceled for insufficient funds or a variety of other reasons. 

Instant buying power may be used to trade stocks only. We are required to help protect investors from losing more money from investments with greater risk such as options and you may trade options once funds from your deposit have settled. Federal law also does not permit the use of instant deposits or margin to buy mutual funds.


Understand the Terms

Instant Buying Power Limit

The maximum buying power you may have according to your total pending deposit

Total Pending Deposit

The total deposits that have been initiated.

Instant Buying Power Granted

The buying power that has been granted to you based on your deposits. If you are restricted, the amount will be 0.