Deposits to Monorail typically take 2 business days, followed by a 3 business day withholding period before your funds are investable. Timing may vary slightly by feature.
📈 Stocks
2 business days + 3 business day withholding period
Up to $500 in instant buying power is available for deposits made during open market hours
🪙 Investing Portfolios
2 business days + 3 business day withholding period
🔒 Why Is There a Withholding Period?
Some features require funds to pass through a short anti-fraud review before becoming available.
Monorail uses the Automated Clearing House (ACH) for secure bank transfers. All transactions are processed on business days, and timelines are estimates—not guarantees.
Need Help?
If you’re experiencing delays or have any questions, reach out to Monorail Support via the in-app messenger. We’re happy to assist.