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How to Deposit via ACH - Plaid
Updated this week

Process Update

Starting December 12, 2024, deposits made through Plaid into your investment account will reflect within 4 business days. Plaid uses the ACH (Automated Clearing House) system to transfer funds from your bank account to your Vest investment account. This widely used and secure process typically takes 3 to 4 business days to verify and settle funds. Previously, our main firm, DriveWealth, offered immediate availability for these deposits. However, due to policy changes and to enhance the process's security, deposits will now follow the standard 4-day timeframe to complete.


If you have a bank account in the United States or a multi-currency account, you can use it to transfer to your Vest account through Plaid. Just log into your app and follow these steps:

  1. From your Vest app, select "DEPOSIT" and then choose "ACH Deposit."

  2. Once entered, you will see the different options available from Plaid.

  3. Choose the bank where you have your account, follow the provided instructions, and make a deposit to link your account properly—done! (Remember, all amounts will be shown in dollars).

Important Notes:

  • Deposits may take up to 4 business days to complete.

  • Only deposits from personal accounts of the same ownership will be accepted, meaning accounts in your name only.

DriveWealth has a withdrawal policy that includes a holding period for ACH deposits. This holding period is to ensure the "authorized use" of funds and acts as an anti-money laundering (AML) measure. ACH deposits must remain in your account for at least thirty (30) days after the transaction is processed before they can be withdrawn.

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