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.
*Note: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here. If necessary, please use a wire deposit to avoid such holds.
Adding an ACH Bank Account:
How to Add an ACH Bank Account on the Mobile App
1. Tap the Account/Profile Icon
on the top-left of your app 'Home' screen
2.Tap Add Payment Method
3. Select the Bank Transfer (Make an ACH transfer) 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. A) Select your banking institution from the menu. You can also use the search box or scroll down to view more options
B) Step 5 Troubleshooting (if necessary):
- If your institution does not show up, scroll to the bottom of the menu and tap Link with account numbers. Then, please consult this guide (from step 6 onwards) to add your account manually
- If you receive an error regarding multi-factor authentication, please follow these instructions before returning to this guide
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 the Binance.US app
7. Once successfully completed, your ACH account will be displayed under 'Linked Accounts' in the 'Payment Methods' section of your Account Management page
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. Click on the Payment Methods tab in the top-left corner of the Account Management page
4. Click on the Add new Payment Method button
5. Select and click on Bank Transfer (Make an ACH transfer)
6. A new window will appear directing you to complete the process through Plaid. After reading Plaid's privacy policy, click Continue
7. A) Select your banking institution from the menu. You can also use the search box or scroll down to view more options
B) Step 7 Troubleshooting (if necessary):
- If your institution does not show up, scroll to the bottom of the menu and click Link with account numbers. Then, please consult this guide (from step 6 onwards) to add your account manually.
- If you receive an error regarding multi-factor authentication, please follow these instructions before returning to this guide.
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. Once successfully completed, your ACH account will be displayed under 'Linked Accounts' in the 'Payment Methods' section of your Account Management page.
Depositing with ACH:
*Note: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here. If necessary, please use a wire deposit to avoid such holds.
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
Important: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here.
7. Click Proceed to accept the chargeback notice: 'To prevent the risk of chargebacks, note that your ACH deposit can't be withdrawn for 7 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.
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
Important: ACH Deposits can only be withdrawn in USD or Crypto after 7 days. Learn more here.
7. Click Proceed to accept the chargeback notice: 'To prevent the risk of chargebacks, note that your ACH deposit can't be withdrawn for 7 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.
Troubleshooting & Other Important ACH Information:
Unable to Find your Financial Institution
If you can't find your financial institution in the Plaid menu (and have tried using the search bar), you likely need to connect your ACH account manually. Easy-to-follow instructions can be found in this guide.
ACH Multifactor Authentication Error
If you are receiving an error when attempting to connect to your bank account, please follow these instructions.
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 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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