Why can’t I use my instant deposits?

Reversals

If your incoming bank deposit reverses, you’ll need to make another deposit to cover your purchase(s) as soon as possible. Because we allow instant buying power on the good faith that your transfers will go through, you won’t have access to instant buying power for at least thirty days after a transfer reversal.

Exceeding your limit

If you deposit more funds than your instant deposit limit, you’ll only get instant availability up to your limit. This means that you’ll have to wait for five business days for the additional funds over your limit to clear.

For example, if you have $3,000 in your account, your instant deposit limit will be $5,000. If you make a $6,000 deposit from your bank, $5,000 of the new funds will be available instantly. The remaining $1,000 will become available in five business days.

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