Bank Transfers (ACH) typically clear in 4-5 business days. This is the time it takes for your bank to confirm the funds are available to transfer. Although your bank balance may show your funds have left sooner, it typically takes at least 4-5 business days for a bank to communicate this to Gemini.

When there is a pending transfer(s) that has not cleared there will be a withdrawal hold placed on your account during that timeframe.

Any deposit made before 5:00 pm ET will be submitted to your bank that day, and any deposit made after 5:00 pm ET will be submitted to your bank the following business day at 5:00 pm ET.

For common examples of ACH deposit clearance timeline:

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