At this time, all deposits and withdrawals must be done by ACH transfer between All of Us and your linked bank account.
We use Plaid to link your bank account. In order to fulfill our regulatory obligations, we can only establish a link with institutions that allow us to verify a name match.
Please note - linking to banking is subject to Plaid's current status with that bank. There are some banks that often fail to link even though they show in the Plaid interface. We apologize for the inconvenience this may cause and would ask that you link a different bank account in these cases. Also, If your bank or credit union does not populate in the Plaid menu, we are unable to set up a link at this time.
*** Please note the following policies:
- All new deposits to the All of Us system require a 7 calendar day holding period before they can be withdrawn. After 7 calendar days, transfers out of your account of these deposits may be made.
- ACH deposits received from a banking institution can only be returned to that same banking institution for 63 calendar days. For the first 63 calendar days, funds received cannot be disbursed to a different bank than from where they were originated.
Once your account is established, you can create links to transfer money between your All of Us account and your bank account at no fee. ($50,000 maximum per day). A maximum of two links to outside bank account can be added to your account.
When you initiate an ACH deposit, up to $1,000 will show as available to trade within 1-2 business days. The balance will be available to trade one business day later.
Our clearing firm's cut-off time is 4 pm est for ACH deposits and 3:30 pm est for withdrawals.