MIAMI !!! This is will help you :Electronic funding (referred to as ACH) and wires are methods of electronically transferring funds. Electronic funding transfers can take up to 72 hours. Wire transfers are much faster, typically taking 4-5 hours for inbound transfers. In general, wire transfers assess a fee, whereas electronic funding transfers are free. Newly deposited funds may have a hold time and may not be available for withdrawal or for trading non-marginable securities such as options, pink sheets and bulletin boards. There's a six business-day hold on check deposits, a three business-day hold on deposits submitted through Express Funding or electronic funding (referred to as ACH), and no hold on wire deposits. Click the link "New Account Withdrawals" below for additional hold times when withdrawing funds. Go BCAP