Deposit Limits

We've established the following limits to ensure secure and efficient fund transfers:

• Maximum daily ACH limit: $50,000 (total deposits per day)
• Minimum ACH limit: $100 (per deposit)
• Maximum single transaction limit: $50,000 (per individual deposit)
• Instant buying power limit: Up to $1,000 (see more details below)

Deposit Timeline

When you deposit funds into your dub account, your deposit follows this timeline:

• Day 0 (Deposit Day): Instant buying power (up to $1,000) becomes available
  • For more details, see our article on Understanding Instant Buying Power
• Day 1 (Next Business Day): Remaining amount (for deposits over $1,000) becomes available
• Days 1-5 (Settlement Period): Funds are settling and cannot be withdrawn
• Day 6+ (After Settlement): Funds become fully available for withdrawal

National holidays and weekends do not count as business days for settlement purposes.

Example: If you deposit $500 on Monday, you'll get $500 instantly. The funds will be fully settled on the following Tuesday (given there are no National holidays). 

Recurring Investment Deposits

If you've set up recurring investments on dub, here's what you should know about the associated deposits:

• dub Financial, LLC (dub Financial) initiates an ACH deposit on the business day you scheduled your recurring investment
• These deposits follow the same settlement timeline and limits as regular deposits

Example: If your recurring investment is set for Tuesday, the deposit will be initiated on Tuesday (given there are no National holidays). 

For more detailed information about setting up and managing recurring investments, please see our article on Recurring Investments.
 

Deposit Statuses

After initiating a deposit, it will move through the following stages:

• Pending: Your deposit has been initiated and is waiting to be processed. Deposits initiated before 4:00 PM ET on business days begin processing the same day. Deposits made after 4:00 PM ET or on weekends/holidays begin processing the next business day.
• Processing: Your deposit is being transferred through the ACH network between your bank and dub. This typically takes 1-5 business days.
• Completed: Your funds have fully settled and are available for both investing and withdrawal.
• Failed/Reversed: Your deposit was rejected by your bank or returned through the ACH process. A $30 reversal fee applies per occurrence.
   

Deposits Taking Longer Than Expected

If your deposit seems delayed, here are the most common reasons:

• Weekends and holidays: These do not count as business days. A deposit made on Friday may not begin processing until Monday.
• After-hours deposit: Deposits initiated after 4:00 PM ET begin processing the next business day.
• Bank processing delays: Some banks take longer to process ACH transfers, especially smaller banks and credit unions.
• Deposit buffer not met: For deposits under $400, your bank account must have at least $400 available. For deposits of $400 or more, your bank must have at least the deposit amount. If the buffer isn't met, the deposit may be delayed or rejected.