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Automated Investing account, or Treasury account—the deposit is subject to an 8-day hold period before it can be withdrawn.
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 and 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.