When you deposit funds into your dub account, you don't have to wait for the deposit to fully process before you can start investing. 

The Instant Buying Power is a feature that gives you immediate access to a portion of your deposited funds (up to $1,000) before they fully settle through the ACH process. This allows you to start investing right away without waiting for bank processing times.

How Instant Buying Power Works

When you make a deposit to your dub account, your buying power becomes available in the following stages:

1. Instant Buying Power (Up to $1,000)

• Available immediately after initiating your deposit
• Can be used right away to invest in portfolios
• Subject to our standard verification processes

2. Regular Buying Power

• For deposits over $1,000:
• The remaining amount becomes available the next business day after your deposit

Example: If you deposit $5,000 on Monday, you'll get $1,000 instantly and the remaining $4,000 on Tuesday.

Important Considerations

Potential Risks and Fees

Rejected Deposits:

• If your deposit is rejected by your bank but you've already used the instant buying power to invest:
  • You'll need to deposit additional funds to cover those investments
  • If you don't, dub may need to liquidate those positions
  • A $30 fee applies to your dub account for any reversed ACH transfers

How to Check Your Buying Power

1. Open the dub app
2. Look at the "Buying Power" section on your home screen
3. Tap for a detailed breakdown of available and pending funds