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 make a deposit, you can skip down to the ACH Deposit section. Otherwise, please begin by learning how to Add an ACH Account below.
For troubleshooting and important details, please see here.
Adding an ACH Bank Account:
How to Add an ACH Bank Account on the Website
1. Log in to your Binance.US account on the web.
2. Hover over your email in the top-right corner to view the drop-down menu. Click 'Account & Settings.'
3. Find the 'Payment Management' section and click the Manage button.
4. Click on the Add a New Account button.
5. Select and click the 'ACH' Payment Method.
6. A new window will appear directing you to complete the process through Plaid. After reading Plaid's privacy policy, click Continue.
7. Select your banking institution from the menu. You can also use the search box or scroll down to view more options. If your bank does not show up, please consult this guide to add your account manually.
8. Enter your bank credentials through Plaid to securely connect your bank to your Binance.US account. For some banks, you will be redirected to their own website where you can fill out your credentials. Once complete you will be taken back to Binance.US.
9. When successfully completed, your ACH account will be displayed under 'Linked Accounts.'
How to Add an ACH Bank Account on the Mobile App
1. Tap the Account/Profile Icon 
on the bottom-right side of your screen.
2. Click Add Payment Method.
3. Select the 'ACH' payment method.
4. A new window will appear directing you to complete the process through Plaid. After reading Plaid's privacy policy, tap Continue.
5. Select your banking institution from the menu. You can also use the search box or scroll down to view more options. If your bank does not show up, please consult this guide to add your account manually.
6. Enter your bank credentials through Plaid to securely connect your bank to your Binance.US account. For some banks, you will be redirected to their own website where you can fill out your credentials. Once complete you will be taken back to Binance.US.
7. When successfully completed, your ACH account will be displayed under 'Linked Accounts.'
Depositing with ACH:
How to Deposit via ACH on the Website
*Please note: For some financial institutions you may be required to reauthenticate your ACH account via Plaid before making a deposit. This can also be caused by changing credentials with your bank. In either case, you will receive a reauthentication alert when attempting to deposit. Once you accept Reauthentication you will be taken back through the very brief Plaid connection process. Please see this article for details.
1. Log in to your Binance.US account here.
2. Click on the Wallet tab, on the Binance.US header bar.
3. Click Deposit.
4. At the dropdown menu, make sure to select USD as the deposit coin.
5. Enter the USD amount that you want to deposit and choose the ACH account that you wish to deposit from, then click Preview Deposit. *Note: You may receive a notification to reauthenticate your ACH connection. If so, click Reauthenticate.
6. Make sure you read and agree to our terms of use, then check the box beside it. Verify the deposit details. If everything is correct, click Confirm Deposit.
7. Click Proceed to accept the chargeback notice: 'To prevent the risk of chargebacks, note that your ACH deposit can't be withdrawn for 10 days (in USD or Crypto).'
8. You should see a notification that your deposit is being processed. To check the status of your deposit, head back to your Wallet and click the Deposits and Withdrawals tab to see a list of your latest transactions and their statuses.
How to Deposit via ACH on the Mobile App
*Please note: For some financial institutions you may be required to reauthenticate your ACH account via Plaid before making a deposit. This can also be caused by changing credentials with your bank. In either case, you will receive a reauthentication alert when attempting to deposit. Once you accept Reauthentication you will be taken back through the very brief Plaid connection process. Please see this article for details.
1. Log in to your Binance.US account on your app.
2. Tap on the wallet icon 
on the bottom of the page.
3. At the top of the screen, directly underneath your balance, tap Deposit.
4. Select USD from the list of currencies.
5. Enter the USD amount that you want to deposit and choose the ACH account that you wish to deposit from, then click Preview Deposit. *Note: You may receive a notification to reauthenticate your ACH connection. If so, click Reauthenticate.
6. Make sure you read and agree to our terms of use, then check the box beside it. Verify the deposit details. If everything is correct, click Deposit.
7. Click Proceed to accept the chargeback notice: 'To prevent the risk of chargebacks, note that your ACH deposit can't be withdrawn for 10 days (in USD or Crypto).'
8. You can check the status of your deposit by heading back to your wallet and tapping 'USD.' Your most recent transaction should display at the top.
Other Important ACH Information to Keep in Mind:
Withdrawal Lock Period
Please keep in mind that you cannot withdraw your ACH deposit (in USD or crypto) until 10 days after your deposit is initiated. You may refer to your deposit and withdrawal history to view when your deposit holds expire.
Insufficient Funds Errors
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
How to Deposit via Domestic Wire and Debit Card
For information on how to deposit via Domestic Wire and Debit Card, we invite you to refer to our support articles below:
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