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Why do standard transfers take longer than instant transfers?

Standard transfers are processed by ACH (Automated Clearing House). These transfers are available at no additional fee¹, but may take 1–3 days to reach your external bank. Instant transfers are processed through a different network that allows for faster money movement, typically within 10 minutes²



¹Returned ACH (insufficient funds) is $.50 each and ACH notice of Correction Fee is $5 per notice.

²A 1% fee will be deducted from the transfer amount. Transfers may take up to 10 minutes. Limits may apply. 

Bank Account Services provided by and Stash Visa Debit Card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

The Instant Transfer feature is offered by Stash Financial, Inc. and is not sponsored or endorsed by Green Dot Bank.

This feature is only available via the Web application, and may only be available to a group of users.

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