Bank Transfers (ACH) typically clear in four to six business days. This is the time it takes for your bank to confirm that the funds are available to transfer. Your bank balance may show your funds have left sooner, however, it typically takes at least four to six business days for a bank to communicate this to Gemini.

When there is a pending transfer(s) that has not cleared, a withdrawal hold will be placed on your account.
Any deposit made before 5pm ET will be submitted to your bank that day, and any deposit made after 5pm ET will be submitted to your bank the following business day at 5pm ET.

Examples of ACH deposit clearance timeline:

1. ACH deposit initiated on Monday before 5pm ET - will clear on Monday at 11am ET.
2. ACH deposit initiated on Monday after 5pm ET - will clear on the following Tuesday at 11am ET.
3. ACH deposit initiated on Tuesday before 5pm ET - will clear on the following Tuesday at 11am ET.
4. ACH deposit initiated on Tuesday after 5pm ET - will clear on the following Wednesday at 11am ET.
   
   Note: a "business day" does not include weekends or U.S. federal holidays.