Fedwire and ACH Transfers (USD)
Use ACH or Fedwire to fund your Cash account in USD or to send USD to a supported bank account.
Who can use ACH and Fedwire?
Who can use ACH and Fedwire?
Eligible members with a supported US bank account.
Transfers must be sent in USD.
How long do transfers take?
How long do transfers take?
ACH funding: 1–2 business days (please allow up to 3–4 business days for provider and bank processing).
Fedwire funding: typically same day (please allow up to 2 business days for provider and bank processing).
Outgoing transfers: the timing is shown in your quote before confirmation.
Weekends and holidays: ACH and Fedwire don't run on weekends or US federal holidays. If you send a transfer to your bank on a weekend, it leaves your Vault straight away and is sent to your bank on the next business day: usually Monday, but possibly Tuesday if a federal holiday falls on the Monday. Deposits sent from your bank on a weekend are also processed on the next business day.
How do I fund via ACH or Fedwire?
How do I fund via ACH or Fedwire?
Go to Add Funds → Bank → USD: https://ether.fi-search-u-ether-chrome-bb-ie-utf-8.exchange/app/cash/bank
Select ACH or Fedwire, accept the terms if prompted, and copy the bank details exactly as shown.
Initiate the matching USD rail from your bank. Do not send SWIFT using ACH/Fedwire details. For SWIFT, see https://etfihelp.fi-search-u-ether-chrome-bb-ie-utf-8.exchange/en/articles/586159-send-and-receive-usd-via-swift.
How do I send via ACH or Fedwire?
How do I send via ACH or Fedwire?
To send USD to a bank account, first add the bank account as a recipient:
Select New Recipient.
Under payment method and currency, choose ACH (USD) or FedWire (USD).
Enter the recipient’s details: name, address, routing number (9 digits), account number and account type (checking or savings).
Select the recipient, enter the amount, review the fee and timing in your quote, then confirm.
Saved recipients stay in your list, so you only need to add them once.
What fees apply?
What fees apply?
etfi.fi-search-u-ether-chrome-bb-ie-utf-8.exchange currently has two active banking-provider routes for ACH and Fedwire.
Most new members use the latest provider route (lowest fee), while some existing members whose accounts predate the newest provider use the other active provider route. Before sending a transfer, review the fee shown in Cash before you confirm. This is the fee that applies to your transfer. Fees may be updated at any time.
Latest provider route (most new members)
Funding ACH: $0.50 + 0.10%.
Outgoing ACH: $0.50 + 0.20%.
Funding Fedwire: $20.00 + 0.10%.
Outgoing Fedwire: $20.00 + 0.20%.
Other active provider route (some existing members)
Funding ACH: $0.50 + 0.20%.
Funding Fedwire: $10.00 + 0.20%.
Outgoing ACH: $0.00 + 0.20%.
Outgoing Fedwire: $10.00 + 0.20%.
Your bank may charge additional fees. Before sending a transfer, review the fee shown in Cash before you confirm. This is the fee that applies to your transfer.
Why do I need additional documentation?
Why do I need additional documentation?
Some transfers may require additional documentation, regardless of the amount transferred. This may trigger our banking provider’s compliance steps.
What is the minimum?
What is the minimum?
There is no universal etfi.fi-search-u-ether-chrome-bb-ie-utf-8.exchange minimum for bank-transfer deposits. Some withdrawal methods may have a provider- or rail-specific minimum, shown before confirmation.
My transfer is taking longer than usual
My transfer is taking longer than usual
Most transfers proceed normally. If a transfer is taking longer than expected, open Transaction History and select it. Some transfers may show Action Required; if so, provide the requested information directly there and submit it. See https://etfihelp.fi-search-u-ether-chrome-bb-ie-utf-8.exchange/en/articles/853692-why-does-my-bank-transfer-show-action-required-status.
If your transfer doesn’t show an Action Required status (a request for additional information) and the applicable timeframe has passed, contact support with the transfer receipt or payment confirmation, amount and currency, transfer date/time, and destination account if applicable.