How long do deposits into checking accounts take?

Transfers initiated within your Betterment account:

Transfers initiated into Checking from within your Betterment account—drawing from a connected funding account—will add to your Checking balance by the following business day if placed by 4 PM ET. However, these funds will be in a “pending” status until the funds are fully available to you to use. The pending status usually lasts for 4 to 5 business days. We’ll display an estimated completion date for any deposits you make into Checking.

Transfers initiated from another bank:

If you initiate a transfer into Betterment from another bank’s side—either through their website or with assistance from your other bank— the funds will typically be fully available to you within 1 to 2 business days.

Transfers initiated via direct deposit:

When you set up direct deposit through your employer, your funds will be available in Checking on the same day that you get paid. Make sure to find out when your employer expects the change to take place after you provide them with your new Checking account and routing numbers.

Transfers initiated via mobile check deposit:

Mobile check deposits will be added to your Checking balance by the following business day if placed by 5PM EST. Note that part of the deposit may remain “pending” until the funds are fully available for you to use. This hold period can range from 2 to 7 business days, depending on the amount of the check.

See the Transaction Timeline Table