--- title: When will my deposit be available for trading? description: Find out when your MetroTrade deposit will be ready to trade. Compare clearing times for ACH, debit card, Apple Pay, Google Pay, and wire, plus how FIT works. --- [Skip to content](https://help.metrotrade.com/kb/when-will-my-deposit-be-available-for-trading#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) # When will my deposit be available for trading? ## Each funding method has its own processing time. Use this guide to know when your money will be ready to trade.  When you fund your MetroTrade account, your money needs time to clear before you can use it. How long that takes depends on how you send it. Here’s what to expect.  #### At a Glance | Funding Method | Cutoff Time | Available for Trading | | --- | --- | --- | | ACH Transfer | 1:00 PM CT | Usually overnight. Eligible for FIT. | | Debit Card | 6:00 PM CT | 7:00 AM CT, two business days later. Eligible for FIT. | | Apple Pay / Google Pay | 6:00 PM CT | 7:00 AM CT, two business days later | | Domestic Wire | None, but sent during banking hours | 1–2 business days | | International Wire | None, but sent during banking hours | 2–5 business days |  MetroTrade does not accept paper checks. Please use ACH, debit card, Apple Pay, Google Pay, or wire transfer to fund your account.  #### ACH Transfers Submit your ACH request by 1:00 PM Central and we’ll process it that same day, with funds usually showing up in your account overnight. In the meantime, the money will have left your bank but won’t appear in your MetroTrade balance yet. **When an ACH deposit gets held:** We use Plaid to confirm your bank balance when you request an ACH deposit. If Plaid can’t confirm it, your deposit will be held for three business days, starting the day after your request is processed, before it becomes available. #### Debit Card Debit card deposits take one business day to process. If you submit before 6:00 PM Central, your funds will be ready to trade at 7:00 AM Central the following business day after processing. Your bank will show the charge right away, but the funds won’t appear in your MetroTrade balance until processing finishes, unless your deposit qualifies for FIT. #### Apple Pay and Google Pay You can fund your account with a debit card saved in Apple Pay or Google Pay. These deposits follow the same timeline as debit card deposits: submit by 6:00 PM Central, and your funds will be ready to trade at 7:00 AM Central after one business day of processing. A few things to know: - **Debit cards only.** Credit cards can’t be used. - **Deposit limits:** $5 minimum, and up to $5,000 per 24-hour period. - **Names must match.** The name on your debit card has to match the name on your MetroTrade account, or the deposit will fail. #### Wire Transfers - **From a US bank:** Usually arrives within one to two business days and is available to trade as soon as it posts. - **From a bank outside the US:** Can take two to five business days. To avoid delays, make sure the name on your bank account matches the name on your MetroTrade account. #### Trade Sooner with Funds in Transit (FIT) Some ACH and debit card deposits qualify for Funds in Transit (FIT), which lets you start trading with your deposit while it’s still processing. Keep in mind: - **FIT funds can’t be withdrawn.** They’re for trading only until your deposit fully clears. - **Withdrawal holds start when funds clear.** The standard holding period begins on the date your deposit clears, not the date you could start trading with it. - [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