What are the processing times for electronic transfers, wire transfers, and check deposits?

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Electronic transfers:

Electronic, or ACH, transfers initiated by 2pm PT on a business day will process 3 business days from that date. If scheduled after that cutoff time, or a non-business day, the transfer will process in 4 business days. 

Wire transfers:

Outgoing domestic wire transfers must be scheduled on a business day before the applicable cutoff time to be debited same-day. Domestic wire transfers must be scheduled by 1pm PT.

Outgoing international wire transfers must be scheduled by 11am PT to be debited same-day, and take about 2-4 business days to go through.

Incoming wire transfers received by 12pm PT should be credited same day, but are subject to the sending bank’s processing times.

Mobile check deposits:

"For mobile deposit only to Aspiration Financial" must be written on the back of your check, under your endorsement, to be accepted. Checks deposited via the mobile app become available 1-2 business days* after being deposited.

If deposited before 2pm PT on a business day, the funds will become available 1 business day after the day of deposit. If deposited after that daily cutoff time, or on a non-business day, the funds will become available 2 business days after the day of deposit.

* Please note that checks deposited within the first 30 days an account is open are subject to a 5 business day hold. Checks deposited after the 30 day mark may also be subject to a 5 business day hold on a case-by-case basis. 

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