Help Center

If you make a deposit by Check, EFT, Direct Deposit or Wire Transfer we will deposit the funds into your account and notify you of the deposit. These funds will be invested in your sweep vehicle, generally on the next business day after deposit.

From Deposits: While you will generally be able to make an investment the day after a deposit is processed, deposit, based on types will be available after an applicable hold period. The cash available for trading will be visible on our site.

From Securities Sales: When you sell securities that settle 2 days after trading (T+2), the sell amount cannot be withdrawn until the second trading day after the sell date. When you sell securities that settle 1 day after trading (T+1), the sell amount cannot be withdrawn until the trading day after the sell date.

Purchases: Money deposited with us can generally be used to purchase exchange-listed securities and mutual funds the day after your deposit is processed.

Sales: When you sell securities that settle 2 days after trading (T+2), you can generally use the sale proceeds to purchase T+2 securities as soon as that same day. When you sell securities that settle 1 day after trading (T+1), you can generally use the sale proceeds to purchase T+1 and T+2 securities as soon as that same day.

Below are the steps that we take to determine the cash available for withdrawal numbers that you see on our site:

1. Subtract any amounts from sells made today and the previous trading day
2. Subtract any check, EFT, or other deposits that were posted to your account that are still subject to a hold period.
3. Subtract estimated amounts needed to pay for open securities orders.
4. The amount left can be withdrawn via check, EFT, or wire

Please keep in mind that additional withdrawal limitations apply for certain types of accounts, such as IRAs.