--- title: How to Deposit & Withdraw via ACH Transfer description: ACH is one of the fastest ways to fund your MetroTrade account. See how to link your bank, request a transfer, and what to know about limits and timing. --- [Skip to content](https://help.metrotrade.com/kb/how-to-deposit-withdrawal-via-ach-transfer#main-content) English Show submenu for translations [![MetroTrade](https://help.metrotrade.com/hs-fs/hubfs/logo3-1.png?width=225&height=39&name=logo3-1.png)](https://metrotrade.com/) Open main navigation Close main navigation - English Show submenu for translations - [MetroTrade.com](https://www.metrotrade.com/) [MetroTrade.com](https://www.metrotrade.com/) How can we help you? - There are no suggestions because the search field is empty. 1. [KnowledgeBase](https://help.metrotrade.com/kb?hsLang=en) 2. [Funding & Withdrawals](https://help.metrotrade.com/kb/funding-withdrawals?hsLang=en) # How to Deposit & Withdraw via ACH Transfer ## ACH transfer is one of the fastest ways to move money in and out of your MetroTrade trading account. This article covers how to link a bank account and request a deposit or withdrawal. ### **Before You Start** - ACH transfers are available to US-based customers only. - You can link one bank account at a time. - The name on your bank account must match the name on your trading account. - ACH deposits are limited to $5,000 per 24-hour period, with a $5 minimum. You may notice NinjaTrader or Tradovate referenced at some point during the funding process. This is expected: they're MetroTrade's FCM (futures commission merchant), the firm that handles clearing and custody of funds behind the scenes. ### **Linking Your Bank Account** 1. In your account portal, click **Transfer Funds** in the left-hand sidebar. 2. In the Transfer panel, select **ACH** under "From," and your trading account under "Going to." 3. You'll be asked to verify your identity. Click **Continue** to receive an access code by email, then enter it to authorize your device. 4. Follow the setup wizard to link your bank account through Plaid, a secure bank-linking service. 5. Allow up to 15 minutes for your bank account to be verified. If linking doesn't go through, try funding your account by debit card or wire transfer instead. Once your bank account is linked, you can use it for both deposits and withdrawals. ### **Making a Deposit or Withdrawal** 1. From your account dashboard, click **Transfers** in the left-hand navigation. 2. Choose **Fund** to deposit, or **Withdraw** to take money out. 3. Select your linked bank account. 4. Enter an amount between $5 and $5,000. ### **Understanding Funds in Transit (FIT)** ACH deposits typically take 1 to 3 business days to fully settle. In many cases, though, you don't have to wait that long to start trading. This is called Funds in Transit (FIT): up to $2,500 of a new deposit can be made available for trading right away, even before it's fully settled. A few things to know about FIT: - FIT funds aren't counted in your Net Liquidating Value (NLV) until they settle. - Any deposit amount above $2,500 becomes available once the deposit fully settles on the standard timeline. - You'll be asked to review and accept a risk disclosure before an ACH deposit is processed. - If your bank returns or rejects the deposit, any buying power granted through FIT is reversed, and open positions relying on that margin may be liquidated. - You can only submit one FIT transfer per day. **Withdrawing funds made available through FIT:** These funds can be used for trading, but can't be withdrawn until the deposit has fully settled and a 5-day withdrawal hold has passed, even though you were able to trade with them earlier. If a deposit isn't made available immediately through FIT, it typically becomes available for trading within three business days. ### **Processing Times and Restrictions** - ACH deposits requested before 1:00 PM Central are processed the same business day. Withdrawals requested before 12:00 PM Central are processed the same business day. - You can request one ACH deposit every 24 hours. - Your bank account must be US-based and titled to match your MetroTrade account. - MetroTrade can't accept transfers from third-party payment services like Wise or Revolut. - ACH deposits can't move between account types. For example, an LLC or corporate bank account can't fund an individual trading account, and an individual bank account can't fund an LLC or corporate trading account. *This article is for informational purposes only. Funding limits, processing times, and requirements are subject to change.* - [Account Information](https://help.metrotrade.com/kb/account-information?hsLang=en#main-content) - [Account Eligibility](https://help.metrotrade.com/kb/account-information?hsLang=en#account-eligibility) - [Account Management / Profile](https://help.metrotrade.com/kb/account-information?hsLang=en#account-management-profile) - [Account Statements & Reporting](https://help.metrotrade.com/kb/account-information?hsLang=en#account-statements-reporting) - [Funding & Withdrawals](https://help.metrotrade.com/kb/funding-withdrawals?hsLang=en#main-content) - [Legacy FCM Accounts (Dorman Trading)](https://help.metrotrade.com/kb/funding-withdrawals?hsLang=en#legacy-fcm-accounts-dorman-trading) - [MetroTrade Platform](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#main-content) - [Getting Started](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#getting-started) - [Charting](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#charting) - [Order Entry & Trade Execution](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#order-entry-trade-execution) - [Position & Risk Management](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#position-risk-management) - [Market Data & Watchlists](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#market-data-watchlists) - [Mobile App](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#mobile-app) - [Troubleshooting](https://help.metrotrade.com/kb/metrotrade-platform?hsLang=en#troubleshooting) - [Pricing & Fees](https://help.metrotrade.com/kb/pricing-fees?hsLang=en) - [Margins & Trading Info](https://help.metrotrade.com/kb/margins-trading-info?hsLang=en#main-content) - [Margin & Risk](https://help.metrotrade.com/kb/margins-trading-info?hsLang=en#margin-risk) - [Trading Hours & Market Schedule](https://help.metrotrade.com/kb/margins-trading-info?hsLang=en#trading-hours-market-schedule) - [About MetroTrade](https://help.metrotrade.com/kb/about-metrotrade?hsLang=en) - [MetroTrader Platform (Legacy)](https://help.metrotrade.com/kb/metrotrader-platform-legacy?hsLang=en#main-content) - [MetroTrader Web](https://help.metrotrade.com/kb/metrotrader-platform-legacy?hsLang=en#metrotrader-web) - [MetroTrader App](https://help.metrotrade.com/kb/metrotrader-platform-legacy?hsLang=en#metrotrader-app) - [Troubleshooting](https://help.metrotrade.com/kb/metrotrader-platform-legacy?hsLang=en#troubleshooting) - [Products & Specs](https://help.metrotrade.com/kb/products-specs?hsLang=en#main-content) - [Product Information](https://help.metrotrade.com/kb/products-specs?hsLang=en#product-information) - [Contract Specs](https://help.metrotrade.com/kb/products-specs?hsLang=en#contract-specs) [![MetroTrade](https://help.metrotrade.com/hs-fs/hubfs/mt-fb-profile.png?width=50&height=50&name=mt-fb-profile.png "MetroTrade")](https://metrotrade.com) Chicago, IL USA [mailto:support@metrotrade.com](mailto:support@metrotrade.com) Copyright © 2026, MetroTrade