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.

  To: Individual Investing To: Joint Investing To: Individual Cash Reserve (Inclusive of money held in cash goals) To: Joint Cash Reserve (Inclusive of money held in cash goals) To: Individual Checking To: Joint Checking To: Non-Betterment Checking
From: Individual Investing 1-2 days 1-2 days2 1-2 days 1-2 days2 4-5 days 4-5 days 4-5 days
From: Joint Investing 1-2 days2 1-2 days 1-2 days2 1-2 days 4-5 days 4-5 days 4-5 days
From: Individual Cash Reserve (Inclusive of money held in cash goals) 1-2 days 1-2 days2 Same day3 Same day3 Same day3 Same day3 1-2 days
From: Joint Cash Reserve (Inclusive of money held in cash goals) 1-2 days2 1-2 days Same day3 Same day3 Same day3 Same day3 1-2 days
From: Individual Checking 1-2 days 1-2 days Same day3 Same day3 Instant Instant 1-2 days
From: Joint Checking 1-2 days 1-2 days Same day3 Same day3 Instant Instant 1-2 days
From: Non-Betterment Checking 1-2 days 1-2 days 1-2 days 1-2 days 1-5 days4 1-5 days4 -

 

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.