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 4 business days from that date. If scheduled after that cutoff time, or a non-business day, the transfer will process in 5 business days. 

Wire transfers:

Outgoing wire transfers must be scheduled on a business day before the applicable cutoff time to be debited same day. International wire transfers must be scheduled by 11am PT, and domestic wire transfers must be scheduled by 1pm PT.

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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