Pending Deposits - Buying Power

There are several possible reasons your deposit may still be processing. If you linked through micro-deposits, have a stale ACH relationship, and or have had a recent deposit returned, then there is more than likely a hold on your deposit. 

Why are my funds still pending (no buying power)?

Banks linked via micro-deposit

All ACH deposits from bank accounts linked to your tastytrade trading account via micro-deposit verification or by check are held for four business days before they become available for trading. In other words, this means that funds will become available for trading on the 5th business day after the deposit request. 

Example of Holding Time

  • Mon: Client submits ACH at Noon (before 2 pm Central cutoff time)
  • Tue: Day 1 of Hold
  • Wed: Day 2 of Hold
  • Thur: Day 3 of Hold
  • Fri: Day 4 of Hold
  • Following Mon: First-day funds are available in buying power.

How can I avoid this hold?

Use our instant bank linking system (Plaid) if your bank is listed

This policy does not apply to customers that have linked their bank account using our instant bank linking system by signing into your bank account with your bank’s username and password. To learn more about this and how to fund, please view our short "How to Fund" video

I used Plaid, so why are my funds on hold?

Changes to your bank's security settings can delay funds

Additionally, if you have linked a bank account using our instant bank linking system (Plaid), but are not seeing any recent deposit reflect in buying power, then it may be a result of any updated security settings on your bank's end. The most common cause of this issue is due to a password change. You can avoid this hold in the future by unlinking and relinking your bank account by visiting the My Money>Deposits page, after logging into your account at That way, our backend has the most up-to-date information to verify your bank account and balance. Although funds may have left your bank account, it will not be available for trading and reflect in your buying power until the holding period has lapsed (generally 3-4 business days).

Deposits pulled back by your bank

If you have had a deposit in one of your accounts pulled back by your bank (returned), then your account will have a hold on deposits applied for 30 days. This hold is put in place to prevent trading with funds that could potentially be pulled back by your bank. During this 30 day period, you will need to wait 4 business days before a deposit's buying power will post to your account. If another return is made in your account then the hold will be indefinite and all future deposits will have a 4 business day hold.