Here's a quick overview of how fund availability works depending on the type of transaction:
- Internal Transfers: If you're transferring money between accounts at Vault.Bank, it's usually available right away.
- ACH Transfers: These typically take about 2–4 business days to process, and keep in mind that weekends and holidays can cause some delays.
- Wire Transfers: Domestic wire transfers are often completed on the same business day, while international ones may take anywhere from 1 to 5 business days.
- Instant Transfers: Vault.Bank provides instant transfers, so you can access your funds within minutes, usually for a small fee.