Why is my withdrawal unavailable after making a deposit?
When you make a deposit into an account powered by Atomic—such as an Automated Investing account or a Treasury account—the deposit is subject to an 8-business day hold period before it can be withdrawn.
NerdWallet Cash accounts (also known as Atomic Cash Accounts) are subject to a 5-business day hold period.
Why did I receive an email that my withdrawal has been processed but I still don't see the funds in my bank account?
Please allow an additional 2 to 3 business days after receiving that email for the funds to appear in your bank account. This additional time is needed because the withdrawal is sent as an ACH transfer, and your bank may require a few business days to receive and post the funds to your account.
What does the business day hold period mean?
The business day hold period allows deposited funds to fully settle and ensures they cannot be recalled. This process helps reduce the risk of fraud and protects your account.
Once the hold period is complete, your funds will be fully available to transfer or withdraw.
Can the hold period be longer than 5 or 8 business days?
Yes. In certain situations, the hold period may be extended, including:
Disputed transactions
Additional reviews needed to help ensure account safety
A withdrawal being flagged for review does not mean that fraud has occurred or that your funds are at risk. It just means the transaction has been identified for additional review, which can happen for a variety of reasons and is part of the normal process for helping ensure account security and compliance.
Why is my withdrawal still delayed after the hold period?
If more than 5 or 8 business days have passed since you made a deposit and 2 to 3 business days have passed since you received an email that your withdrawal had been processed but your withdrawal is still delayed, the most likely reason is that the withdrawal was sent to a different bank account than the one used to make the deposit.
Within the first 60 days after a deposit, withdrawals must be sent back to the same account the deposit came from.
Why do some of my previous transactions show as "Unavailable account" and my most recent withdrawal is delayed?
The previously linked account you used to make contributions has become unlinked, usually due to an ACH return.
Reconnecting the account might cause it to appear as a new account to Atomic's systems. This would be one of the instances where a withdraw is delayed for review, even if the funds are returning to the same bank.
If your withdrawal is being delayed and you believe it's being sent to the same bank account you originally used for your deposit, please contact Atomic Brokerage Support at [email protected]. Their team can review your account and, if possible, help move the withdrawal process forward.
How can I fix a delayed withdrawal?
To resolve this issue and avoid further delays:
Cancel the pending withdrawal: tap Menu (☰) → Atomic account → Pending withdrawal → Cancel
Re-initiate the withdrawal to the same account used for the original deposit
What if I can't cancel?
If the cancel button is unresponsive or unavailable, contact Atomic Brokerage Support at [email protected] and ask them to review the pending withdrawal.
Re-submitting the withdrawal to the correct account should resolve the delay.