can you deposit a money order into your bank account

Is Depositing Someone Else's Check Into Your Account Allowed? the check or because they want to transfer the money from the check directly with you. The recipient can cash the order at a local bank or credit union—there's no requirement to go to the issuer to have it cashed. Depositing money in person at a bank or credit union branch is the easiest way to add cash to your account. It's also the most versatile way in.

Can you deposit a money order into your bank account -

How and Where To Cash a Money Order

When you receive a money order, you need to cash it or deposit it into a bank account. Until you do so, a money order is just a piece of paper. You can cash them at numerous locations, including banks and convenience stores.

Money Order Basics

If this is the first time you've received a money order, you may wonder what you have on your hands. A money order is similar to a check (in appearance as well as function), so you can treat money orders just like checks made out to you.

They're pieces of paper that promise payment from funds in somebody else’s account. To get access to those funds, you have to cash the money order or deposit it into your bank account.

How To Cash a Money Order

The steps below describe how to convert any money order to cash:

  1. Bring the payment to a location that cashes checks or money orders. Money orders are treated very much like checks. Common options include banks, credit unions, grocery stores, and check-cashing stores.
  2. Endorse the money order like you would a check. Sign your name on the back. Wait until you're indoors and ready to hand the money order to a teller or customer service agent before signing it.
  3. Show valid identification. You'll need to verify that you are authorized to cash the money order. A government-issued photo ID, such as a driver’s license, passport, or military ID, is the best option.
  4. Pay any fees for the service. These costs will reduce the total amount of cash you receive.
  5. Get your cash. Place it securely in a pocket, purse, or wallet before leaving the customer service counter.

Where To Cash a Money Order

You can cash money orders at a variety of locations. Your best option is usually a bank or credit union where you already have an account.

Your Bank

Your bank or credit union likely provides this service for free, like when you cash a check. However, you might not be able to get the full amount of the money order immediately. Your bank’s funds availability policy will explain how much money, if any, you can take immediately, and the rest of the funds should be available within a few business days.

For U.S. Postal Service (USPS) money orders, the entire amount must be available within one business day. For other money orders, the first $200 is often available immediately.

If you're not close to a branch of your financial institution, you may have a better option. If you belong to a credit union, you can likely go to a closer branch of a different credit union that uses the same shared branching network.

Money Order Issuer

If you don’t have a bank account or you can’t get to a branch, try visiting a location of the money order issuer. The issuer is the organization that prints and backs the money order. For example, you might visit a post office to cash USPS money orders or a Western Union office to cash a Western Union money order.

Working directly with the issuer can help you minimize fees and increase your chances of getting 100% of the cash quickly. However, some offices won't cash your money order, even if they sell money orders.

Other Options

You can also try to cash money orders at retail outlets like check-cashing stores, convenience stores, and grocery stores. In fact, some larger retail stores, especially grocery stores, have Western Union or MoneyGram services available at the customer service desk, so you might be able to cash your money order there for free. If not, a customer service representative can review your options with you.

Depositing Money Orders

If you don’t need 100% of the money order in cash, it's probably a better idea to deposit the money order in your bank account rather than cashing it. You can get cash later if necessary and, in the meantime, your funds will be safe in the bank.

Use your existing checking or savings account and transfer the money elsewhere if you have other uses for it. If you don't have an account at a bank or credit union, you can use this money order for your initial account opening deposit. Having a bank account can potentially save you money and time over the long term.

Logistically, depositing a money order is the same as depositing a check. Endorse the back of the money order and list it separately (as a check) on your deposit slip.

Use caution when using your mobile device to deposit money orders. Banks may require you to deliver the original money order to your bank for processing, and many don’t allow mobile money order deposits at all. Make sure your bank accepts mobile deposits of money orders before you attempt to make one.

Fees for Cashing Money Orders

Expect to pay a fee when you cash a money order anywhere except your bank. You'll typically have to pay several dollars in transaction fees or a percentage of the total proceeds. Those fees can add up, especially at check-cashing stores and convenience stores, which often have higher fees and typically don't make it clear how much they charge.

For example, at most Walmart stores, you can cash a money order issued by MoneyGram for a maximum fee of $4 if the value is $1,000 or less or a maximum fee of $8 if the value is $1,001 to $5,000.

If you receive more than one or two money orders per month, it’s probably worthwhile to open an account at a bank or credit union—even if they charge monthly maintenance fees—instead of using retailers. Once you’re a customer, you can go to your bank and cash money orders or checks anytime you want without additional charges.

Money Order Scams

There are plenty of scams out there involving Invalid money orders. If you want to make sure you’ll be paid, verify that the money order is legitimate before accepting it. You can do that by locating and calling the phone number for the supposed issuer.

Whatever you do, never accept a money order for a greater amount than you have asked for, cash it, and send the excess funds back to your “customer.” This is almost always a scam, and you'll ultimately be responsible for the full amount of the fraudulent money order.

After you verify that a money order is legitimate, do something with it (cash it or deposit it) quickly if you are concerned about fraud. It is possible for the buyer of the money order to cancel it after sending it to you.

Frequently Asked Questions (FAQs)

How do I cash a money order made out to someone else?

Before you can cash a money order that's made out to someone else, the original payee must sign the money order over to you. The process for this is the same as signing over a check. The payee must sign their name and write "Pay to the order of [your first and last name]" on the endorsement line on the back of the money order.

Where can I cash a money order for free?

If you want to cash a money order with no fee, go to the local bank or credit union where you already have an account. Retailers or banks where you don't have an account will usually charge you a few dollars to cash a money order.

Where can I cash a money order on a Sunday?

Although banks aren't open on Sundays, you can cash money orders at some retailers and grocery stores. For instance, Walmart is open on Sundays and cashes MoneyGram money orders.

Источник: https://www.thebalance.com/cash-a-money-order-315049

How to Deposit Cash

Despite all of the advances in banking technology, people still love access to cash. Whether it's through withdrawals or deposits, cash is still king for many consumers.

Opting for an online bank as your financial institution has many advantages, including fewer fees and higher interest rates. But there's also one big downside to consider -- it's hard to deposit cash into an online bank.

There are pros and cons to banking through traditional and online banks. This includes how to deposit cash into your account. Here's a look at methods to deposit cash no matter where you choose to bank.

How to deposit cash to an online bank

Most online banks allow you to deposit checks via mobile deposit or by mail. You can also transfer money to and from other financial institutions. But figuring out how to deposit cash is trickier. It's a bad idea to put money in the mail, and internet banks typically don't accept mailed deposits. You also can't go to a local branch to hand your money to a teller.

The good news is you don't have to give up on having an online bank -- or resign to never deposit cash. You have a few options, depending on your online financial institution. Here's a look at what they are.

Use a linked ATM

Some online banks participate in ATM networks. If your online bank is one of them, you can deposit cash at the closest ATM.

Once you've found an ATM, take your cash to the ATM, fill out a deposit slip with your account information, and put the money into the deposit envelope. Then use your ATM card to make your deposit.

You'll receive a receipt when you deposit cash into an ATM. Keep the receipt until your money shows up in your account. This could take around 48 hours depending on your bank's policies.

Use a prepaid debit card

If your bank isn't part of an ATM network, you could consider getting a prepaid debit card linked to your online bank account.

Prepaid debit cards allow you to load money onto them in different ways, including visiting participating retailers to deposit cash. Once the money is on your debit card, you could transfer the money from the prepaid debit card to your linked online bank account.

The downside of prepaid debit cards is that many charge you fees to:

  • Obtain a card
  • Deposit cash
  • Withdraw funds

But if you shop around for a good card, you may be able to avoid paying fees. Some prepaid cards, for example, allow you to deposit cash for free at certain retailers, including Walmart. You can then use those cards to transfer money to a linked bank account -- although the process can take several days.

Make a local deposit and transfer money

If you still have a local bank account, you can make a deposit at your branch and transfer the money over. Unfortunately, some banks charge you a fee to move money from one financial institution to another. Make sure your bank doesn't before you do this.

This method could defeat the purpose of opening an online bank account since you'd still be stuck with a local bank and all its associated fees.

If you have a family member or close friend with a local bank account, you could enlist their help in making a local deposit. You could give them cash to deposit into their account and ask them to send the money to you using a service like Zelle or Venmo. These money transfer services are free and can be linked to your online bank.

Buy a money order

If you can't use an ATM, don't want a prepaid debit card, and can't get a friend or a family member to help you out, you could buy a money order.

Money orders can be purchased from the post office or retail stores. There's a small fee for buying a money order. The fee depends on the amount of the money order. Once you've purchased the money order, you can mail it to the address that your online bank provides for deposits.

This method costs a little bit of money and it can take time since you have to wait for the mailed money order to arrive at your bank and for the deposit to be processed. Still, if you have only a very occasional cash deposit to make, this could be a good approach.

How to deposit cash to a brick-and-mortar bank

Depositing cash is easier with traditional banks. You have access to more convenient methods than most online banks like:

  • In person at a local bank branch
  • Your bank's ATM network

Keep in mind that ATM deposits could be subject to holds. Your funds likely won't hit your account immediately. Your best bet for quick access to your money is in person at a bank branch. The downside with in-person banking is that you're limited to specific business hours.

A lot of traditional banks have adopted modern banking practices. If your bank has a mobile app, you may have access to mobile check deposits too.

Choose the right approach when you deposit cash into your bank account

As you can see, depositing cash into an online bank is more trouble than when you have a local bank. But since online banks have many other advantages, it may be worth dealing with a few extra steps. Especially if you don't deposit cash on a regular basis. Online banks and brick-and-mortar banks both offer various ways to deposit cash when you need it. The right option depends on your preference.

Источник: https://www.fool.com/the-ascent/banks/how-deposit-cash/

Electronic Funding & Transfers

What to expect when transferring your account

Transfer time frames

Most account transfers are sent via Automated Customer Account Transfer Service (ACATS) and take approximately five to eight business days upon initiation. ACATS is a regulated system through which the majority of total brokerage account transfers are submitted. Any residual balances that remain with the delivering brokerage firm after your transfer is completed will follow in approximately 10-20 business days. If you have any questions regarding residual sweeps, please contact the transferor firm directly. Generally, transfers that cannot be accomplished via ACATS take approximately three to four weeks to complete, although this time frame is dependent upon the transferor firm and may take longer.

Mutual Funds

Some mutual funds cannot be held at all brokerage firms. This typically applies to proprietary and money market funds. These funds will need to be liquidated prior to transfer.

Non-standard assets

Non-standard assets - such as limited partnerships and private placements - may only be transferred to retirement accounts at TD Ameritrade. Additional fees will be charged to transfer and hold the assets. Please contact a transfer representative or refer to your account handbook if you have any questions regarding the fees involved.

Margin and options accounts

If you are transferring a margin and/or options account with an existing debit balance and/or options contract, please make sure that you have been approved for margin/options trading in your TD Ameritrade account. Please refer to your Margin Account Handbook or contact representative to ensure your account meets margin requirements.

IRA debit balances

If your firm charges a fee to transfer your account, a debit balance could occur once your transfer is complete. Avoid this by contacting your delivering broker prior to transfer.

To resolve a debit balance, you can either:

  • Fund your account with an IRA contribution (IRA contributions must be in accordance with IRS rules and contribution limitations).
  • Liquidate assets within your account.
Источник: https://www.tdameritrade.com/funding-and-transfers.html

Getting Money Into GreenState

There are lots of ways to get money into your GreenState account, and the best one depends a lot on the situation. Here's a quick overview of the options:

Transfers from another bank account

You can link another bank account and set up transfers, fee-free. Transfers into GreenState take 2-4 business days; transfers out of GreenState take just 1-2 business days. If you choose to initiate a transfer through another bank, they may charge a small fee and the timeline varies: it's typically 2-5 business days.

Depositing in a branch

You can bring cash, checks, and bonds into any GreenState location to deposit into your GreenState account. Branch locations also have dropboxes for after hours deposits, these dropbox deposits will be processed next business day. 

Direct deposit

Once your employer sets up direct deposit, your paycheck will arrive early in the morning on payday (or the next business day, if payday falls over the weekend or on a holiday). Direct deposit is a great way to get funds into your account on autopilot.

Checks

Most checks and money orders can be deposited with Photo Check Deposit‍. Larger checks and a few other types of checks must be mailed in.

Wire transfers

GreenState is able to receive wire transfers into your account. We charge a fee of $5.00 to receive a wire, and the bank that sends the wire may also charge a fee. Wire transfers are a quick, secure way to send funds. They're great for moving large sums into GreenState.

Third Party Services

You can also use many payment and transfer services (such as PayPal, Venmo, Square Cash, or Google Wallet) with GreenState; some of these services can be used to get money into your GreenState account. 

Источник: https://www.greenstate.org/connect/contact-and-support/help-center/getting-money-into-greenstate.html

Need to cover pending payments or emergency expenses before the next business day? Keep your cash flowing with instant access to eligible check deposits.*

Get TD FastFunds in 3 easy steps:

Bring your checks to any TD Bank.

We’ll verify which checks are eligible.

You choose which eligible checks to process.

For a 3% service fee ($5 minimum), your money will be available on the spot.

If a check doesn’t clear due to non-sufficient funds, you still get to keep the money—with no Return Deposit Item fee.

A closer look at TD FastFunds.

  • Check eligibility considered on an individual basis
  • The info we have is all we need—no additional details required
  • Available for single or batch check deposits
  • All checks considered, but not all may be eligible—decisions aren’t a reflection of whether the check is “good”
  • If a check isn’t eligible or you choose not to use FastFunds, you can still deposit it free of charge using our standard service
  • FastFunds deposits are credited to your account before any other transactions made that day, which could prevent an overdraft charge

Don't have a TD Bank Checking account?

Find an account that fits your needs and has the perks you want.

*The first $100 of a Customer’s daily non-cash deposits made at a TD Bank Store or ATM is immediately available. Generally, the remaining deposited funds are available by the end of the next business day on most deposits. However, longer delays may apply. For additional details, see the Funds Availability section of the Personal Deposit Account Agreement. (For deposits after 8 p.m. ET, or on weekend or holiday, add one business day.)

*The first $100 of a Customer’s daily non-cash deposits made at a TD Bank Store or ATM is immediately available. Generally, the remaining deposited funds are available by the end of the next business day on most deposits. However, longer delays may apply. For additional details, see the Funds Availability section of the Personal Deposit Account Agreement. (For deposits after 8 p.m. ET, or on weekend or holiday, add one business day.)

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Источник: https://www.td.com/us/en/personal-banking/fastfunds/

MOBILE CHECK DEPOSIT

Deposit limits vary and are based on multiple factors, including your account type, deposit history and relationship with us.

If you’ve opened an account within the last 90 days, your deposit limits could be as a low as $50. After your first 90 days with us, your daily and weekly limits will likely increase.

Deposit limit definitions

Your daily deposit limit is defined as the maximum amount you can deposit using your mobile device each calendar day. Deposits made after the 9:00 p.m. Central Time cutoff will apply to the daily limit of the next calendar day.

Your weekly deposit limit is defined as the maximum amount you can deposit using your mobile device every 7 calendar days, which includes the current calendar day and the previous 6 calendar days. (If you make a deposit after the 9:00 p.m. Central daily cutoff time, the next day as well as the previous six calendar days will be included in determining your weekly limit.)

Источник: https://www.usbank.com/online-mobile-banking/mobile-check-deposit.html

Money Order

What Is a Money Order?

A money order is a certificate, usually issued by a government or banking institution, that allows the stated payee to receive cash on demand. A money order functions much like a check, in that the person who purchased the money order may stop payment.

Money orders are readily accepted and converted to cash and are often used by people without access to a standard checking account. These instruments are an acceptable form of payment for small debts, both personal and business, and can be purchased for a small service fee from most institutions.

Money orders were first issued by American Express in 1882 and later became popularized as traveler's checks.

Key Takeaways

  • When you purchase a money order, you may have to pay a small fee.
  • You can purchase money orders at banks and credit unions, and also at a variety of locations like big box stores, post offices, and even some gas stations.
  • Money orders are a safe alternative to using cash or checks.
  • International money orders can be an inexpensive way to send across the border and overseas quickly.

How Money Orders Work

A person who buys a money order will have to fill out the name of the recipient on a form and the amount that the recipient should receive. Most money orders have a maximum limit of $1,000. Therefore, a buyer would need to purchase multiple orders if he needs more than the stipulated limit. Be sure to fill out the money order carefully; it's a one-off purchase and you need to keep good records of it.

The financial institution or authorized body that issues the money order to the payer will have the payee’s name, the issuer’s name, and the amount of money that can be cashed. This dollar value does not include the fees charged to the payee. Factor in all costs when purchasing money orders. A bank or credit union will normally charge more than a convenience store to issue money orders.

A money order is not a check, and it's harder to trace one; keep your receipt until you are sure the order has been received and cashed.

When a purchaser pays for a money order, it comes with a receipt that includes the serial number of the money order. This information should always be kept until the purchaser is certain the money order has cleared. Without a receipt, tracing a money order can be difficult or even impossible.

Advantages vs. Disadvantages

In some situations, paying with a money order can be safer than paying with a personal check. Since personal checks include the account holder's routing number and bank account number printed on the bottom this private information can be stolen and used to create and sign fraudulent checks. In contrast, money orders do not include personal information about the purchaser.

Pros
  • Money orders do not include personal information, such as your bank’s routing number and your bank account number.

  • The recipient can cash the order at a local bank or credit union—there’s no requirement to go to the issuer to have it cashed.

  • Money orders can also be deposited into a bank account, for no fee.

  • The money order can be issued in one country and be cashed in another country.

Cons
  • Money orders can be more difficult to track than a personal check—to find out whether the money order has been cashed, for example, can require forms and take weeks.

  • Cashing the money order can incur a fee.

  • There may be a delay in getting the funds if they are cashed at a bank other than the issuer.

  • Money orders can be fraudulent; be wary about receiving them from people you don't know and don't spend money orders you deposit in the bank until you know the bank was able to cash them.

On the downside, money orders can be more difficult to track than a personal check. To determine whether a personal check has cleared, check writers only need to visit their bank or look at their online account for information about its status.

To track a money order, the issuer must fill out tracking forms and pay an additional fee to learn whether the money order has been cashed. The entire process for researching the status of a money order can take weeks. The USPS offers an online money order inquiry service that allows buyers to input the money order number and get an update on its status.

In addition to checks and money orders, other financial instruments that can be used to send guaranteed funds to an individual or business include traveler’s checks, wire transfers, bank drafts, and cashier's checks.

Special Considerations

The recipient who receives the money order does not necessarily have to go the same issuer that sold the money order. The recipient can have it cashed at a local bank or credit union, but may not receive the funds all at once, depending on the institution's policy. If the payee has no account, cashing the money order at the issuer’s office is a great option.

However, a payee does not have to cash the money order right away. They can deposit it into a bank account, much as you would do a check. Depositing money orders is a good option for payees who are concerned about the fees charged to cash the certificates at multiple locations.

Since the fees are certain to reduce the amount of money that will be received, depositing it with no additional charges at a bank will ensure that the account holder keeps all the money paid to them.

As is often the case, a money order can be used as a vehicle to send money outside the country. An issuer with multiple branches in different countries can issue a money order in one country that can be cashed in another country. International money orders thus provide an inexpensive and swift way to send money across the border.

Источник: https://www.investopedia.com/terms/m/money-order.asp

: Can you deposit a money order into your bank account

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Getting Money Into GreenState

There are lots of ways to get money into your GreenState account, and the best one depends a lot on the situation. Here's a quick overview of the options:

Transfers from another bank account

You can link another bank account and set up transfers, fee-free. Transfers into GreenState take 2-4 business can you deposit a money order into your bank account transfers out of GreenState take just 1-2 business days. If you choose to initiate a transfer through another bank, they may charge a small fee and the timeline varies: it's typically 2-5 business days.

Depositing in a branch

You can bring cash, checks, and bonds into any GreenState location to deposit into your GreenState account. Branch locations also have dropboxes for after hours deposits, these dropbox deposits will be processed next charles schwab routing number checking account day. 

Direct deposit

Once your employer sets up direct deposit, your paycheck will arrive early in the morning on payday (or the next business day, if payday falls over the weekend or on a holiday). Direct deposit is a great way to get funds can you deposit a money order into your bank account your account on autopilot.

Checks

Most checks and money orders can be deposited with Photo Check Deposit&zwj. Larger checks and a few other types of checks must be mailed in.

Wire transfers

GreenState is able to receive wire transfers into your account. We charge a fee of $5.00 to receive a wire, and the bank that sends the wire may also charge a fee. Wire transfers are a quick, secure way to send funds. They're great for moving large sums into GreenState.

Third Party Services

You can also use many payment and transfer services (such as PayPal, Venmo, Square Cash, or Google Wallet) with GreenState; some of these services can be used to get money into your GreenState account. 

Источник: https://www.greenstate.org/connect/contact-and-support/help-center/getting-money-into-greenstate.html

How to Deposit Cash

Despite all of the advances in banking technology, people still love access to cash. Whether it's through withdrawals or deposits, cash is still king for many consumers.

Opting for an online bank as your financial institution has many advantages, including fewer fees and higher interest rates. But there's also one big downside to consider -- it's hard to deposit cash into an online bank.

There are pros and cons to banking through traditional and online banks. This includes how to deposit cash into your account. Here's a look at methods to deposit cash no can you deposit a money order into your bank account where you choose to bank.

How to deposit cash to an online bank

Most online banks allow you to deposit checks via mobile deposit or by mail. You can also transfer money to and from other financial institutions. But figuring out how to deposit cash is trickier. It's a bad idea to put money in the mail, and internet banks typically don't accept mailed deposits. You also can't go to a local branch to hand your money to a teller.

The good news is you don't chase credit card support to give up on having an online bank -- or resign to never deposit cash. You have a few options, depending on your online financial can you deposit a money order into your bank account. Here's a look at what they are.

Use a linked ATM

Some online banks participate in ATM networks. If your online bank is one of them, you can deposit cash at the closest ATM.

Once you've found an ATM, take your cash to the ATM, fill out a deposit slip with can you deposit a money order into your bank account account information, and put the money into the deposit envelope. Then use your ATM card to make your deposit.

You'll receive a receipt when you deposit cash into an ATM. Keep the receipt until your money shows up in your account. This could take around 48 hours depending on your bank's policies.

Use a prepaid can you deposit a money order into your bank account card

If your bank isn't part of an ATM network, you could consider getting a prepaid debit card linked to your online bank account.

Prepaid debit cards allow you to load money onto them in different ways, including visiting participating retailers to deposit cash. Once the money is on your debit card, you could transfer the money from the prepaid debit card to your linked online bank account.

The downside of prepaid debit cards is that many charge you fees to:

  • Obtain a card
  • Deposit cash
  • Withdraw funds

But if you shop around for a good card, you may be able to avoid paying fees. Some prepaid cards, for example, allow you to deposit cash for free at certain retailers, including Walmart. You can then use those cards to transfer money to a linked bank account -- although the process can take several days.

Make a local deposit and transfer money

If you still have a local bank account, you can make a deposit at your branch and transfer the money over. Unfortunately, some banks charge you a fee to move money from one financial institution to another. Make sure your bank doesn't before you do this.

This method could defeat the purpose of opening an online bank account since you'd still be stuck with a local bank and all its associated fees.

If you have a family member or close friend with a local bank account, you could enlist their help in making a local deposit. You could give them cash to deposit into their account and ask them to send the money to you using a service like Zelle or Venmo. These money transfer services are free and can be linked to your online bank.

Buy a money order

If you can't use an ATM, don't want a prepaid debit card, and can't get a friend or a family member to help you out, you could buy a money order.

Money orders can be purchased from the post office or retail stores. There's a small fee for buying a money order. The fee depends on the amount of the money order. Once you've purchased the money order, you can mail it to the address that your online bank provides for deposits.

This method costs a little bit of money and it can take time since you have to wait for the mailed money order to arrive at your victoria secret forever pink perfume and for the deposit to be processed. Still, if you have only a very occasional cash deposit to make, this could be a good approach.

How to deposit cash to a brick-and-mortar bank

Depositing cash is easier with traditional banks. You have access to more convenient methods than most online banks like:

  • In person at a local bank branch
  • Your bank's ATM network

Keep in mind that ATM deposits could be subject to holds. Your funds likely won't hit your account immediately. Your best bet for quick access to your money is in person at a bank branch. The downside with in-person banking is that you're limited to specific can you deposit a money order into your bank account hours.

A lot of traditional banks have adopted modern banking practices. If your bank has a mobile app, you may have access to mobile check deposits too.

Choose the right approach when you deposit cash into your bank account

As you can see, depositing cash into an online bank is more trouble than when you have a local bank. But since online banks have many other advantages, it may be worth dealing with a few extra steps. Especially if you don't deposit cash on a regular basis. Online banks and brick-and-mortar banks both offer various ways to deposit cash when you need it. The right option depends on your preference.

Источник: https://www.fool.com/the-ascent/banks/how-deposit-cash/

Electronic Funding & Transfers

What to expect when transferring your account

Transfer time frames

Most account transfers are sent via Automated Customer Account Transfer Service (ACATS) and take approximately five to eight business days upon initiation. ACATS is a regulated system through which the majority of total brokerage account transfers are submitted. Any residual balances that remain with the delivering brokerage firm after your transfer is completed will follow in approximately 10-20 business days. If you have any questions regarding residual sweeps, please contact the transferor firm directly. Generally, transfers that cannot be accomplished via ACATS take approximately three to four weeks to complete, maurices credit card capital one number although this time frame is dependent upon the transferor firm and may take longer.

Mutual Funds

Some mutual funds cannot be held at all brokerage firms. This typically applies to proprietary and money market funds. These funds will need to be liquidated prior to transfer.

Non-standard assets

Non-standard assets - such as limited partnerships and private placements - may only be transferred to retirement accounts at TD Ameritrade. Additional fees will be charged to transfer and hold the assets. Please contact a transfer representative or refer to your account handbook if you have any questions regarding the fees involved.

Margin and options accounts

If you are transferring a margin and/or options account with an existing debit balance and/or can you deposit a money order into your bank account options contract, please make sure that you have been approved for margin/options trading in your TD Ameritrade account. Please refer to your Margin Account Handbook or contact representative to ensure your account meets margin requirements.

IRA debit balances

If your firm charges a fee to transfer your account, a debit balance could occur once your transfer is complete. Avoid this by contacting your delivering broker prior to transfer.

To resolve a debit balance, you can either:

  • Fund your account with an IRA contribution (IRA contributions must be in accordance with IRS rules and contribution limitations).
  • Liquidate assets within your account.
Источник: https://www.tdameritrade.com/funding-and-transfers.html

Depositing money into an account

Important Information

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Источник: https://www.fidelity.com/customer-service/deposit-money

Need to cover pending payments or emergency expenses before can you deposit a money order into your bank account next business day? Keep your cash flowing with instant access to eligible check deposits.*

Get TD FastFunds in 3 easy steps:

Bring your checks to any TD Bank.

We’ll verify which checks are eligible.

You choose which eligible checks to process.

For a 3% service fee ($5 minimum), your money will be available on the spot.

If a check doesn’t clear due to non-sufficient funds, you still get to keep the money—with no Return Deposit Item fee.

A closer look at TD FastFunds.

  • Check eligibility considered on an individual basis
  • The info we have is all we need—no additional details required
  • Available for single or batch check deposits
  • All checks considered, but not all may be eligible—decisions aren’t a reflection of whether the check is “good”
  • If a check isn’t eligible or you choose not to use FastFunds, you can still deposit it free of charge using our standard service
  • FastFunds deposits are credited to your account before any other transactions made that day, which could prevent an overdraft charge

Don't have a TD Bank Checking account?

Find an account that fits your needs and has the perks you want.

*The first $100 of a Customer’s daily non-cash deposits made at a TD Bank Store or ATM is immediately available. Generally, the remaining deposited funds are available by the end of the next business day on most deposits. However, longer delays may apply. For additional details, see the Funds Availability section of the Personal Deposit Account Agreement. (For deposits after 8 p.m. ET, or on weekend or holiday, add one business day.)

*The first $100 of a Customer’s daily non-cash deposits made at a TD Bank Store or ATM is immediately available. Generally, the remaining deposited funds are available by the end of the next business day on most deposits. However, longer delays may apply. For additional details, see the Funds Availability section of the Personal Deposit Account Agreement. (For deposits after 8 p.m. ET, or on weekend or holiday, add one business day.)

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Источник: https://www.td.com/us/en/personal-banking/fastfunds/

Transfer money in Apple Cash to your bank account or debit card

You can transfer money from your Apple Cash card instantly victoria secret pink hoodie outfit 1 to 3 business days.

How to transfer money to your bank or eligible debit card

When you transfer money from your Apple Cash1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer2 to send funds instantly3 to an eligible Mastercard or Visa debit card.

You can also send money to an individual in the Messages app.

Transferring your Apple Cash balance

Transfer instantly to an eligible debit card

First, make sure your iPhone or iPad has the latest version of iOS or iPadOS and add an eligible debit card4 in the Wallet app.

Then, make an Instant Transfer:

  1. Go to your card info:
    • On iPhone: open the Wallet app, tap your Apple Cash card, then tap the more button the more button.
    • On iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Tap Instant Transfer.
  5. If you haven't added an eligible debit card, tap Add Card and follow the instructions on your screen to add a Mastercard or Visa debit card.
  6. Tap > to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.

Your funds should transfer within 30 minutes.

Transfer in 1 to 3 business days to a bank account

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.5
  3. Enter an amount and tap Next.
  4. Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  5. Confirm with Face ID, Touch ID, or passcode. 
  6. Wait for the money to transfer. This can take 1 to 3 business days.

If you're under 18 years old and part of Apple Cash Family

Children less than 13 years old can transfer funds from their Apple Cash account to a bank account.1

Teens at least 13 years old can transfer funds to their bank account or an eligible debit card using Instant Transfer.

How to update your bank account information

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Bank Account, then tap the bank account you want to update. 
    • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information. 
    • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next.6

After you update your information on one device, it automatically updates on all the devices where you're signed in with your Apple ID.

About transfer limits

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Cash to your bank account, unless you use an Instant Transfer.

Learn about account limits and person to person payment limits.

How to find your bank account number or routing number

Your bank account number and routing numbers are easy to find on your checks. If you don't have a check, you can call your bank and ask for this information.

Check that shows the routing number and account number

If you didn't receive your transfer

Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren't deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

If you don't receive an Instant Transfer after 2 hours, or you don't receive a 1 to 3 business day transfer after 3 business days, contact us.

If you think that you entered the wrong bank account or routing number, contact us.

If you can't transfer money

  1. Check for iOS, iPadOS, or watchOS updates.
  2. Make sure that your device is eligible to use with Apple Pay.
  3. Make sure that you have a Wi-Fi or cellular connection.
  4. If you're transferring money to a debit card, make sure it's an eligible debit card.

After each step, try to transfer money again:

  1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
  2. Instant transfers require you to use the billing address that matches your selected debit card.
  3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception bmw 320d m sport second hand the minimum. The maximum amount that you can transfer per transaction is $10,000.
  4. Make sure you aren't using accents when you enter your name.

If you still can't transfer money to your bank, you might need to verify your identity.

  1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Cash card, unless you're part of Apple Cash Family. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. A 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.
  3. Account security checks may require additional time to make tcf login id available. Investment banker salary nyc Transfers typically post immediately but can take up to 30 minutes.
  4. Only eligible for debit cards issued in the United States. If you aren't sure whether your card is eligible, contact your card issuer.
  5. When you aren't using Instant Transfer, there are no fees to transfer your money from Apple Cash to your bank account.
  6. Enter your bank information carefully. If you enter the wrong information, your money might go to the wrong account and may not be able to be recovered. If you need help, contact us.

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Источник: https://support.apple.com/en-us/HT207882
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