Daily limits / Availability of funds (New Account Only)

Follow

For security reasons and to guard you against identity theft, we have the following limits in place for your first 30 days as an account holder:

Daily Limits for the first week (7 calendar days):
$100 Outgoing Transfers (ACH/Bank Transfers)
$500 ATM Withdrawal limit
$4,000 Total PIN & Signature based limit

Then, for the remaining three weeks (21 calendar days):
$500 Outgoing Transfers (ACH/Bank Transfers)
$500 ATM Withdrawal limit
$4,000 Total PIN & Signature based limit

After this initial 30 day timeframe:
$5,000 Outgoing Transfers (ACH/Bank Transfers)
$500 ATM Withdrawal limit
$4,000 Total PIN & Signature based limit

To request an increase in your ATM withdrawal limit, please call or live chat our customer support, as early on in the day as you can, on the day you would like the increase to be effective. The request will be submitted pending review, and a temporary lift on the limits can be provisionally granted for that business day only (expiry of the increase is 5 pm PT). Our recommendation to call or chat us early in the day is due to the approval, which can take time to be received.
Online transfers & wires:

Transfers initiated by 8 am PT will clear within 3 business days.
Wire transfers out – received by 11 am PT (international) and 1 pm PT (domestic) will be debited same day.

Wire transfers in – received by 12 pm PT should also be credited the same day, but are subject to the other party’s bank’s process.

Mobile Check Deposit - Checks less than $5,000:

"For Mobile Deposit Only" must be written on the back of your check to be accepted. Checks deposited via the mobile app become available 1-2 business days after being deposited. If deposited before 1pm PT on a business day, the check would become available 1 business day after the day of deposit. If deposited after that daily cutoff time, or on a non-business day, the check would become available 2 business days after the day of deposit.

NOTE: Checks deposited within first 30 days have a 5 business day hold. There can be exceptions on a case-by-case basis, so please do keep in mind that, while infrequent, checks can be held after the 30 day mark as well.

Have more questions? Submit a request

Comments