Transaction timelines

Betterment Account Transfer Times All timelines listed are in business days1 Note: These transactions may take longer if you have recently deposited funds into your account.


TABLE OF CONTENTS


Transfers from an Individual Investing account to:

Individual Investing 1-2 days
Joint Investing 1-2 days2
Individual Cash Reserve (Inclusive of money held in cash goals) 1-2 days

Joint Cash Reserve (Inclusive of money held in cash goals) 1-2 days2
Individual Checking 4-5 days
Joint Checking 4-5 days
Non-Betterment Checking 4-5 days

Transfers from a Joint Investing account to:

Individual Investing 1-2 days2
Joint Investing 1-2 days
Individual Cash Reserve (Inclusive of money held in cash goals) 1-2 days2
Joint Cash Reserve (Inclusive of money held in cash goals) 1-2 days
Individual Checking 4-5 days
Joint Checking 4-5 days
Non-Betterment Checking 4-5 days

Transfers from an Individual Cash Reserve (Inclusive of money held in cash goals) to:

Individual Investing 1-2 days
Joint Investing 1-2 days2
Individual Cash Reserve (Inclusive of money held in cash goals) Same day3
Joint Cash Reserve (Inclusive of money held in cash goals) Same day3
Individual Checking Same day3
Joint Checking Same day3
Non-Betterment Checking 1-2 days

Transfers from a Joint Cash Reserve (Inclusive of money held in cash goals) to:

Individual Investing 1-2 days2
Joint Investing 1-2 days
Individual Cash Reserve (Inclusive of money held in cash goals) Same day3
Joint Cash Reserve (Inclusive of money held in cash goals) Same day3
Individual Checking Same day3
Joint Checking Same day3
Non-Betterment Checking 1-2 days

Transfers from an Individual Checking account to:

Individual Investing 1-3 days
Joint Investing 1-3 days
Individual Cash Reserve (Inclusive of money held in cash goals) Same day3
Joint Cash Reserve (Inclusive of money held in cash goals) Same day3
Individual Checking Instant
Joint Checking Instant
Non-Betterment Checking 1-2 days

Transfers from a Joint Checking account to:

Individual Investing 1-3 days
Joint Investing 1-3 days
Individual Cash Reserve (Inclusive of money held in cash goals) Same day3
Joint Cash Reserve (Inclusive of money held in cash goals) Same day3
Individual Checking Instant
Joint Checking Instant
Non-Betterment Checking 1-2 days

Transfers from a Non-Betterment Checking account to:

Individual Investing 1-3 days
Joint Investing 1-3 days
Individual Cash Reserve (Inclusive of money held in cash goals) 1-3 days

Joint Cash Reserve (Inclusive of money held in cash goals) 1-3 days
Individual Checking 1-5 days4
Joint Checking 1-5 days4
Non-Betterment Checking -

 

1 Business days are Monday-Friday, excluding bank and market holidays. All transactions can be subject to processing delays in certain circumstances.

2 Within accounts held at Betterment, we generally only allow transfers involving individual and joint investing accounts if you are listed as married to the account owner. Note: This requirement does not apply if you created the joint account and are the primary account owner. Confirm spouse details or, if you are not married, contact us and we can help you with a manual transfer. These manual transfers generally take 2-3 weeks to complete.

3 A Same-Day Transfer generally allows for cash transfers up to an aggregate daily limit to be completed on the same day between your individual and joint Cash Reserve accounts, your cash goals within your Cash Reserve account, or your Checking and Cash Reserve accounts. Please note that some transfers may take longer, particularly if you have recently deposited funds into your Cash Reserve account.

4 If the transaction is initiated on the Betterment side, the timeline is 4-5 business days. If initiated from your connected funding account’s side, it’s 1-2 business days._