In the event you attempt a deposit that can not be fulfilled by our payment If a deposit attempt cannot be completed by our payment processor, you may need to submit a new deposit to cover any resulting negative balance.
Negative balances most commonly occur due to insufficient funds, reversed deposits, or a closed bank account.
Your account may show a negative balance if you've already spent or traded funds from a deposit that ultimately fails. This happens because Binance.US pre-credits your account so you can begin trading right away. The actual deposit is then settled with your bank within 2–7 business days through our payment processor.
Note: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here.
How to settle a negative balance on the mobile app
How to settle a negative balance on the mobile app
Login to your Binance.US mobile app
From the Home page, you will see a negative balance notification. Below the notification, tap View Details.
3. Review the outstanding deposit and amount. You can tap on the deposit(s) to review the transaction details. To settle the outstanding balance, tap Settle Balance.
4. Select the payment method you would like to use to settle the outstanding balance.
5. Follow the steps to complete your deposit and settle your outstanding balance. If you receive a notification to verify your payment method, please submit the requested documents in the subsequent steps.
6. Once the negative balance has been settled, you should receive a notification and see that the status of the deposit has changed to Settled.
How to settle a negative balance via web browser
How to settle a negative balance via web browser
Login to your Binance.US account
From the Home page, you will see a negative balance notification. Below the notification, tap Learn More.
3. Review the outstanding deposit and amount. You can tap on the deposit(s) to review the transaction details. To settle the outstanding balance, tap Settle Balance.
4. Select the payment method you would like to use to settle the outstanding balance.
5. Follow the steps to complete your deposit and settle your outstanding balance. If you receive a notification to verify your payment method, please submit the requested documents in the subsequent steps.
6. Once the negative balance has been settled, you should receive a notification and see that the status of the deposit has changed to Settled.
Why do I have a negative balance?
Why do I have a negative balance?
You might see a negative balance in your account if a recent USD deposit or purchase order was unsuccessful. Here's why this happens:
At Binance.US, we want you to be able to start trading quickly. To make this possible, we often pre-credit your account with the funds from your deposit or purchase before we receive confirmation from your bank. This allows you to take advantage of trading opportunities instantly.
However, if we're unable to process the transaction with your bank for any reason after we've pre-credited your account, the pre-credited amount will result in a negative balance. This negative balance represents the funds that were initially made available to you for trading but were not successfully collected from your bank.
In simple terms: We gave you access to funds early so you could trade, but now we haven't received those funds from your bank. The negative balance indicates the amount still owed to Binance.US.
Negative balances may result in asset liquidation in as little as 48 hours. To avoid this, we strongly recommend settling negative balance immediately.
I have a negative balance but there is a charge on my bank statement
I have a negative balance but there is a charge on my bank statement
Often, when a deposit or purchase is initially attempted, your bank will show it as a pending transaction. This means the funds haven't fully cleared yet. While the charge might appear on your statement, it doesn't necessarily mean the transaction was successful.
Pending charges can take 1 to 5 business days to be finalized by your bank. If the transaction has failed on their end, the pending charge will eventually disappear from your statement.
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