An ACH deposit was made into my SoFi Money cash management account from a financial institution outside of SoFi, and the funds are still unavailable. When will my funds be available?

An ACH deposit initiated from another institution is subject to the processing time of the other institution until it is sent out to SoFi. As soon as it posts to your SoFi Money cash management account, the deposit will typically be made available to spend.

If this in reference to a Mobile Check Deposit, and your SoFi Money cash management account has been opened for 30 calendar days or less as of the day the deposit posts, mobile check deposits are held for 4 business days. If your SoFi Money cash management account has been open for more than 30 calendar days as of the day the deposit posts, mobile check deposits are held for 2 business days.