Why is my withdrawal unavailable after making a deposit?
When you make a deposit into an account powered by Atomic—such as a Cash Account, Automated Investing account, or Treasury account—the deposit is subject to an 8-day hold period before it can be withdrawn.
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 2-3 business days for the funds to appear in your bank account after receiving that email. This timing is due to the withdrawal being processed as an ACH transfer, which typically requires this amount of time to complete.
What does the 8-day hold period mean?
The 8-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 8-day hold period is complete, your funds will be fully available to transfer or withdraw.
Can the hold period be longer than 8 days?
Yes. In certain situations, the hold period may be extended, including:
Disputed transactions
Additional reviews needed to help ensure account safety
Why is my withdrawal still delayed after 8 days?
If more than 8 days have passed since you made a deposit and 2-3 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.
How can I fix a delayed withdrawal?
To resolve this issue and avoid further delays:
Cancel the pending withdrawal
Re-initiate the withdrawal to the same account used for the original deposit
Re-submitting the withdrawal to the correct account should resolve the delay.