Depending on the feature, deposits to Monorail take -
Stocks
2 business days + 3 business day withholding period
Up to $500 of instant buying power is made available for deposits initiated during open market hours.
Investing Portfolios
2 business days + 3 business day withholding period
This feature is coming soon! 🥳
Wishlist
2 business days + 3 business day withholding period
This feature is going away soon.
Spend
2 business days + 3 business day withholding period
Instant deposits through Visa Direct are allowed but not inherently supported.
This feature is going away soon.
Tracks
2 business days + 3 business day withholding period
This feature is going away soon.
Legacy Savings
2 business days + 5 business day withholding period
This feature is no longer available.
Legacy Milestones
2 business days + 5 business day withholding period
This feature is no longer available.
Giving
This feature is currently not available, however, it may be back in the future.
2 - 3 business days
Pending donations must be confirmed before they are "Sent".
Confirmed donations cannot be canceled or refunded.
Donations are sent directly from your connected bank account to the charitable organization.
We never charge fees or take from your donation.
Some features require deposited funds to pass an anti-fraud withholding period before becoming investable, withdrawable, or spendable. Monorail uses the Automated Clearing House (ACH) to facilitate transfers to/from connected external bank accounts. Transfers are processed on business days. The expected completion times of transactions in this article are best estimates and should not be seen as absolute guarantees.
If you encounter any questions or transaction delays, please reach out to us. We're here to help!