The 90 day restriction just means for the next 90 days I can only use settled funds to buy stocks with. Etrade will allow you to buy stocks with unsettled funds, however if you do what I did it will cause your account to get restricted, which was I deposited money into my account, then I bought a stock and then sold it before my original deposit cleared and then used the money to buy more EPGL stock....... It was well worth it...lol
I had a 90 day restriction when my account had less then 50k in it back in 2012, I sold some turd I just bought to buy EPGL under .002 at the time, guess what I bid .002 and they filled me at .0007!!!! The 90 day restriction was worth it, still hold ALL THOSE SHARES TODAY!!
I can say I have bought the cheapest EPGL shares ever and the highest EPGL shares ever,lol