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For my ACH deposit, how long does it take?

Each ACH transfer usually takes 4 business days to settle. Before it fully settles, Webull will grant you a partial amount in the form of provisional credit as instant buying power so you can start trading right away.


Estimated Arrival Time

If you make a deposit before 4:00 pm ET, the deposit will settle at around 7:00 AM on the fourth business day after your deposit.

If you make a deposit after 4:00 pm ET, the deposit will settle at around 7:00 AM on the fifth business day after your deposit.

For Example:

Deposit Initiated Time (ET)
Estimated Arrival Time (ET)
Monday 3:00 PM
Thursday 7:00 AM
Monday 4:10 PM
Friday 7:00 AM


Instant Buying Power

Before your deposit is fully settled, we will provide clients with a partial amount in the form of provisional credit as instant buying power so you can start trading right away. The amount of instant buying power is related to your deposit amount, account type, cash balance, market value of your positions, total amount of incoming funds and your credit scores, etc. You can trade stocksETFs, and cryptocurrencies with instant buying power. However, you cannot use instant buying power to trade options or leverage ETFs.


Instant Buying Power Delivery Time

If you make a deposit before 4:00 pm ET, the instant buying power is most likely given on the same day.

If you make a deposit after 4:00 pm ET, the instant buying power will be delivered at 7:00 AM the next business day.


To check on your incoming funds: 

1. Go to the home page of the mobile app by selecting the Webull logo in the middle bottom of the screen. 

2. Tap "Details" 

3. Scroll down to find "Payable & Receivable" 

4. Tap "Incoming Funds"

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