How To Link a Bank Account & Deposit via ACH | Binance.US 🇺🇸 Help Center

This article will teach you how to connect your bank account via ACH, and how to use ACH to deposit USD from your bank account to your Binance.US wallet.

If you've already added an ACH account and are looking to complete a deposit, you can skip to the ACH Deposit section. Otherwise, please begin by learning how to add an ACH Account below.

Note: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here.

Adding a Bank Account & Completing an ACH Deposit on Mobile

Adding a Bank Account (ACH) on the Mobile App

1. Login to your Binance.US mobile app and tap on the Portfolio tab

2. Tap the Deposit button

3. Select Deposit Cash

4. Select Bank Transfer (ACH)

5. Press Continue to link your bank account with Plaid

6. Search for your and select your bank in Plaid

7. Enter your credentials to link your bank account

8. Your bank account should now be linked to your Binance.US account! Press continue to navigate back to Binance.US and complete a deposit.

If for some reason you are unable to add your bank account using Plaid, please see our guide for manually linking your bank account to your Binance.US account: How to Manually Link your Bank Account with Routing and Account Numbers

Depositing USD via ACH on the Mobile App

1. From the Portfolio tab in your Binance.US app, press Deposit

2. Select Deposit Cash

3. Enter the amount you would like to deposit using the number pad.

If you would like to add or select another bank account/payment method, tap on the payment method on this screen to do so.

4. Review and confirm your deposit

5. You should receive a notice that your Deposit is Successful

Adding a Bank Account & Completing an ACH Deposit on Web

Adding a Bank Account (ACH) on Web

1. Navigate to your Payment Methods page

2. Click the Add Payment Method button

3. On the Payment Method page, select the Bank Transfer (ACH) option

4. Enter your phone number to begin Plaid verification

5. Enter the code sent to your phone number

6. Search for and choose your banking institution

7. Click Continue to Login and enter your banking credentials to complete the connection with Plaid

8. Continue through the connection steps with your bank.

Note: Be sure to grant Plaid access to your account information so the connection can be completed. This includes account numbers, names, balances, and contact information.

9. Select the account you would like to connect and click next to complete the connection

Depositing USD via ACH on Web

1. From your Dashboard, click Deposit

2. Select USD from the list of assets in the pop up window

3. Enter the amount you would like to deposit. Be sure you have your desired payment method selected in the Deposit From section. Afterwards, click Preview Deposit

4. Review the deposit details and check the agreement box. Then click Confirm Deposit to initiate the transaction

Troubleshooting & Other Important ACH Information

How to Check the Status of a USD Deposit

1. Tap on the Portfolio tab in your Binance.US app

2. Tap USD Dollar under your Cash balances

3. The status of your deposit will be displayed Under the transaction history. Tap on any transaction to open the Transaction Details.

My Deposit is Processing, What Do I Do?

If after attempting a deposit you receive a notification that it is being processed, please wait for the deposit to be successfully processed or fail before reattempting it.

My Deposit Failed, What Do I Do?

1. Follow the steps above regarding checking the status of a USD deposit

2. Locate your failed transaction in your transaction history, select the failed transaction to open the transaction details.

3. Follow the steps outlined by the failure reason to troubleshoot your deposit

If you receive an insufficient funds notice, please check that the deposit amount is available in your connected bank account. Please also confirm that your banking institution did not block the transaction.

If you receive a notice to Reauthenticate your ACH account, select Reauthenticate Now to reconnect your bank account to your Binance.US account.

My Deposit was Rejected, Why?

Typically, deposits are rejected because there have been too many attempts in short succession. If you plan to make multiple purchases or Buy Crypto orders, we recommend completing a single (larger) USD deposit first, then completing the orders using your Binance.US-USD balance.

Withdrawal Lock Period

Please keep in mind that you cannot withdraw your ACH deposit (in USD or crypto) until 7 days after your deposit is initiated. Learn more here. You may refer to your deposit and withdrawal history to view when your deposit holds expire.

Insufficient Funds Notices

Please ensure that your bank account has a balance of at least 130% of the deposit amount you've entered. This is a requirement from our payment provider to deter overdrafts. Failure to meet this requirement could result in our payment provider denying the deposit

Example: If you deposit $100.00, your ACH account must have a balance of at least $130.00 or higher

Please note: we currently do not allow savings or brokerage accounts to be connected as payment methods.

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