Transfers are how money moves between your accounts automatically or manually once a rule runs or you trigger one yourself.
They might look simple on your Money Map, but there’s deeper infrastructure under the hood making everything work.
Some quick terminology to help understand transfer timing:
Internal accounts are any Pods or Income Sources. These accounts live within Sequence and are held at our partner bank, Thread.
External accounts are any accounts outside of Sequence. This includes accounts at institutions like Chase, Wells Fargo, Bank of America, and other banks.
Quick Transfer Breakdown
Transfer Type | From → To | Speed |
Internal → Internal | Sequence → Sequence | Instant |
Internal → External | Sequence → External Account | Same day |
External → External | External Account → Anywhere | 2–3 days |
How Each Transfer Type Works
Internal → Internal
Internal → Internal
From one Sequence-owned (Thread) account to another
This is fully internal, no rails, no delays
Because both accounts are within Thread, we move the money instantly
You’ll see the result on your map in real time, even on weekends or holidays
Internal → External
Internal → External
From a Sequence (Thread) account to an account you own elsewhere
This is a same-day ACH transfer
You have full control, so Sequence can initiate and push the funds
There’s a 3:00 PM local time cutoff - transfers after that land the next business day
External → External
External → External
From one external account to another external account
This takes anywhere from 2–3 banking days
We need verification to pull founds out of the source account
Sequence then routes the funds through a holding account to the final destination
We can’t move money directly between two external accounts we don’t control, that's a security and control limitation.
Instead, we route the transfer through a Thread-owned account in the background.
Here’s what happens:
We pull funds into a Thread account
Then we push the funds out to the destination external account
This adds time, usually 2 to 3 business days, but gives us the ability to safely move funds end-to-end.
To track the funds as they move, check out the next section
How to View Pending & Past Transfers
You can check on any transfer’s status or history by:
Clicking into a pod, income source, or account in the map
Visiting the Transfer History page from the main navigation in the top left
There, you’ll see:
Transfer amounts and directions
Status updates (Pending, In Progress, Completed)
Where the funds currently are
Common Examples
Your paycheck or incoming funds go to Sequence → Split instantly between 3 pods
You send funds from an Owners Pay Pod to your external accounts → Same day ACH
You move money from one external checking account to another → Takes 2–3 days
You can also use rules or manual transfers to make all of these happen seamlessly.
Next steps
Want more detail on transfer timing, rules, and status updates?
Need a refresher on what kicks off these transfers in the first place?
Back to: What are Rules? →