How long do deposits to Monorail take?

Depending on the feature, deposits to Monorail complete within:

 

Invest

 

Trading

  • 2 business days + 3 business day withholding period
  • Up to $500 of buying power is instantly available for deposits made during open market hours

 

Milestones

  • 2 business days + 5 business day withholding period

 

Money

 

Spend 

  • 2 business days + 3 business day withholding period 
  • Instant deposits through Visa Direct are allowed but not inherently supported
  • Can instantly transfer available funds between Spend, Tracks, and Wishlist

 

Tracks

  • 2 business days + 3 business day withholding period 
  • Can instantly transfer available funds between Spend, Tracks, and Wishlist

 

Legacy Saving Goals

  • 2 business days + 5 business day withholding period 

 

Wishlist

  • 2 business days + 3 business day withholding period 
  • Can instantly transfer available funds between Spend, Tracks, and Wishlist

 

Giving

  • 2 - 3 business days 

    • Pending donations must be confirmed before they are "Sent"
    • Confirmed donations cannot be canceled or refunded

  • Donations are sent directly from your connected bank account to the charitable organization 

    • We never charge fees or take from your donation

 

Some features require deposits to pass an anti-fraud withholding period before becoming available to withdraw or spend. Transfer times may vary depending on certain holidays and conditions. Expected transfer times in this article are best estimates and should not be interpreted as guarantees. Instant "card-to-card" transfers may be allowed for certain features but are not inherently supported at this time, so please proceed with this knowledge in mind (not to be confused with instant "Move Funds" internal transfers). Please reach out to our support team if you encounter any questions or delays. 

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