Occasionally, our system may lock your ability to withdraw assets under certain circumstances. The most common reasons for these restrictions are, recent account changes, new ACH deposits, or negative balances.
Check out the list below for more details on what triggers these restrictions and additional restriction reasons.
Recent Account Changes
Recent Account Changes
Occasionally, we may need to lock your account if you have made recent changes to it.
For example, if you have reached out to our team to reset your two-factor authentication, or you have changed your password, we will temporarily disable your ability to withdraw. In these cases, please wait 48 hours for your ability to be reinstated.
Additionally, changing your email address will result in a 120 hour withdrawal lock.
Withdrawal Locks on ACH DepositsBinance.US offers convenience by pre-crediting accounts when an ACH deposit is initiated.This allows you to use your funds more quickly without having to wait the full amount of time for your funds to be settled. We will then charge the connected payment method within 7 days from the original date of the transaction.
Note: This means that although you will be able to use your funds on the platform, you will not be able to withdraw the USD equivalent of this deposit (including the equivalent sum in crypto) for 7 days after initiating an ACH deposit.
Once this period has passed, you will be able to freely withdraw your funds (or crypto equivalent).The hold can be easily calculated by subtracting the total USD value of your deposits on hold from your account's total USD value at any given.
Common Questions About ACH Hold Policies
Does the Hold Apply to Every Deposit?
Yes, all ACH deposits—for both new and existing users—are subject to the 7-day hold policy.
Can the Hold Period Be Shortened?
No, the 7-day hold period cannot be waived, shortened, or bypassed under any circumstances. This is a standard measure applied consistently to all locked deposits.
Are There Any Exceptions?
No exceptions exist regarding the 7-day lock for ACH deposits. Other security-driven restrictions, such as 2FA resets, may temporarily block withdrawals beyond this policy.
How to Check Your Deposit Hold Status
You can quickly confirm the status and remaining duration of your withdrawal hold via the following steps:
Log in to Your Binance.US Account: Visit the Wallet page section.
Navigate to Deposit Management: Look for the ACH Lock Status, which will show as "Locked" if the funds are still under hold.
Find the Unlock Time: This will clearly state the date and time (in UTC) when the hold will expire. You can always check the status of your deposit lock and its expiration by navigating to your deposit and withdrawal history.Key Details of the Hold Period
The holding period begins the moment the ACH transaction is initiated and lasts 7 calendar days (168 hours). This includes weekends unless otherwise specified.
Withdrawals to bank accounts or external wallets in USD or crypto equivalents are blocked during this time.
After the holding period ends, withdrawals are fully enabled for all applicable funds. t
Why Is There a 7-Day Hold for ACH Deposits?
Binance.US applies a 7-day withdrawal hold (equal to 168 hours) to all ACH deposits to ensure financial security. The primary goals of this policy include:
Preventing Chargebacks: The hold minimizes risks associated with transaction reversals.
Bank Settlement Confirmation: It ensures that sufficient time is allowed for the deposit to clear with your bank. During this time, while funds are pre-credited for trading, you cannot withdraw the USD equivalent or the purchased cryptocurrency until the hold expires. The hold applies equally to all users, regardless of account tenure.ime.
Withdrawal Locks on Crypto Deposits Still Being Confirmed by the Network
Withdrawal Locks on Crypto Deposits Still Being Confirmed by the Network
Occasionally, you may also encounter a withdrawal lock if you attempt to withdraw crypto that was recently deposited and is still in the process of being confirmed by the blockchain.
Although crypto deposits are credited after their first network confirmation, they will not be available for withdrawal until they have been fully confirmed by the network.
Generally, this network confirmation process won't take more than a few minutes. However, during periods of network congestion or higher network activity, your deposit may take longer to be confirmed.
To view the number of confirmations your crypto deposit has received, you can follow these instructions:
Navigate to your Wallet page and locate the cryptocurrency you deposited.
Click on cryptocurrency you deposited to open your transaction history, then scroll down to locate the recent deposit.
Click on the recent deposit to review the details; you will find the number of network confirmations on this page.
Unsettled Chargebacks and Returns (Negative Account Balance)
Unsettled Chargebacks and Returns (Negative Account Balance)
Occasionally, you may receive a notification saying that your withdrawals are suspended due to risk management.
This notification indicates that after attempting to complete a deposit, our payment provider could not retrieve the funds from your bank account.
This can happen for several reasons, but the most common reasons are:
The authorized deposit was revoked by the banking institution (ex: a stop payment was placed, the transaction was flagged as suspicious, a dispute was filed, etc.).
There were insufficient funds in the bank account when processing the deposit.
The bank account was closed prior to our firm processing the deposit.
The funds were not fully available for withdrawal (ex: a check deposit hold).
You can see the status of your deposit by viewing your deposit and withdrawal history.
To Restore Access:
To regain access to your account, we'll need you to settle the outstanding balance by making a new deposit for the unsettled amount.
If you want to review how to make a deposit, or different ways of depositing, you can visit our USD Transfers support page here.
Note: There are deposit holds in place to help prevent accounts from going negative. If you'd like to review that information, click here.
After you've settled your balance, please contact us and our team will be happy to help you with the next steps.
Account Verification
Account Verification
Another reason we may lock your withdrawals is that we need to finish verifying your identity. Please open a chat session with Customer Support, and we'll ask for the necessary documentation.
Referral Rewards
Referral Rewards
Referral rewards are subject to a 7-day withdrawal lock.
Note: When you sign up with Binance.US, you agree to our Terms of Use. Violating these terms may lead to the closure or freezing of your account.
Some examples of policy violations include:
Using false information.
Using the platform in an unlawful manner.
Facilitating viruses.
Using an anonymizing proxy.
Engaging in suspicious behavior.