Enter ACH Deposit

Automated Clearing House (ACH) deposits/withdrawals may be made to your IBKR account from and to your bank. The method referred to as ‘Link a New Bank Account’ means your transfer request will be automatically processed through a message sent to your bank by IBKR. Prior to using this method, you will need to create a standing instruction through Transfer & Pay which authorizes IBKR and your bank to electronically transfer funds between the two accounts. You will be asked to verify your bank in one of two ways:

  • Enter your banking information - You will be asked to enter your bank account number and routing number for instant verification. If we cannot verify the account is in your name, we will issue test transactions in the form of small debit and credit amounts to your bank account.

    • This request does not actually move your funds.

  • Log in at your bank - You will be asked to select your bank and enter your username and password to verify your credentials immediately.

    • This request does not actually move your funds.

Once established, this transfer method can be used for future deposit and withdrawal requests.

Initiating an ACH Transfer

To initiate an ACH transfer, please take the steps outlined below.

  1. Click the Transfer & Pay tab > Transfer Funds.
    • Alternatively, click Menu in the top left corner > Transfer & Pay > Transfer Funds.
  2. If you are managing multiple accounts, the Account Selector opens. Select the account you want to use for this transaction, or use the search function in the Account Selector to find the desired account. Click continue to submit your account selection and close the Account Selector.
  3. Select Make a Deposit.

  4. In the Currency list, select the currency of your deposit.

  5. Select Link a Bank Account

  6. You will be asked to verify your bank in one of two ways:

Enter Your Banking Information

  1. Select Enter your banking information

  2. Select the Bank Account Type

  3. Enter the Routing Number, Bank Account Number, and select Connect Bank Account

  4. You will be asked to confirm your request via electronic signature and security token authentication which authorizes both IBKR and your bank to act upon any transfer requests you provide.

  5. If your bank account is in your name, your account will instantly link to your bank account. You may select Deposit Funds to start this transfer.

  6. If we cannot verify the bank account is in your name, we will use the traditional verification method of sending two micro-deposits to your bank account.

  7. Within 1-3 business days, two random credits (micro-deposits) each less than one dollar and a corresponding debit (withdrawal) will be issued to your bank account.

  8. You will need to monitor your bank account for these transactions as they will be needed to confirm this funding instruction.
    • Note: these transactions may take place on different days
  9. Once these amounts have hit your bank account, log back in to Portal and from the Pending Items menu (Home page > Blue bell icon in the top right corner > Pending Items) enter the credit amounts to confirm.

  10. After you have entered the correct amounts, you may use the ACH instruction for deposit and withdrawal transfers.

Log In At Your Bank

  1. Select Log in at your bank

  2. Enter an Account Nickname and select Verify Bank Account

  3. Select Get Started on the pop-up window.

  4. Select your bank from the pop-up window.

  5. Enter the login credentials for your online banking account and click Sign on

  6. You may need to complete additional SMS verification depending on your bank.

  7. The Account Information will be displayed. Select the account you would like to connect and press Continue

  8. Select the check box to the left of Terms & Conditions and press Connect

  9. The verification screen will present the details of the account you selected. Click Confirm.

  10. Verify the banking information on the Portal and click Continue

  11. Sign the populated agreement. Input your username, password, and complete authentication. Press Continue.

    • Complete authentication using your two-factor security device. If you are using IB Key, open the notification on your phone. If you are using the Digital Security Card, enter the challenge code.

  12. A confirmation screen will appear. You may select Deposit Funds to initiate this transfer.


  • IBKR does not charge any fee for ACH deposits and accounts are afforded one free withdrawal request per month.

  • ACH deposits are subject to a possible 4 business day credit hold after arrival prior to being credited to your account.

  • If funds are withdrawn to a bank other than the originating bank, a 44-business day withdrawal hold period will be applied.

Note: Clients must have two-factor authentication enabled in order to connect their bank via ACH.