# Deposits & Withdrawals

## Can I use ACH to fund my account?

Yes. Visit Account > Transfers in the Options AI trading application.

## Which banks can I connect to?

Options AI uses [Plaid](https://plaid.com/) to connect to banks and offer ACH transfers. If your bank is not listed you can use wire transfers to fund your account.

## I can't connect to my bank, how can I fix this?

Options AI works with [Plaid](https://plaid.com/) to connect to banking systems and connect to your accounts. \
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Plaid works with many different banks to facilitate ACH transfers. There can be a number of reasons why that stops working, some technical and some not.  Plaid's website offers a [list of these reasons here](https://plaid.com/trouble-connecting/).  

Options AI is unable to fix issues between the bank and Plaid. Those organizations will work to resolve issues per their service levels. You can also [wire funds from your account](https://account.options.ai/banking-wires) if you prefer.

## How do I wire funds?

If you bank is not listed in the options for ACH funding, please use the following instructions to wire funds from your bank:

| Field                    | Instruction                                    |
| ------------------------ | ---------------------------------------------- |
| Bank Name                | BMO/Harris Bank                                |
| Bank Address:            | 111 West Monroe St, 9th fl., Chicago, IL 60603 |
| ABA#:                    | 071000288                                      |
| Beneficiary A/C#:        | 3713286                                        |
| Account Name:            | Apex Clearing Corporation                      |
| For Further Credit A/C#: | 3AIXXXXX & Your Name                           |

Visit <https://account.options.ai/banking-wires> to see your account number and more detailed deposit instructions. Your account number starts with 3AI.\
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You can also [withdraw funds](https://account.options.ai/banking/withdrawal) via wire transfer if you prefer.&#x20;

### Why are my funds not available to withdraw?

After funds are deposited via ACH, they are placed on a mandatory 5 business day hold.&#x20;

Thereafter, they are available for withdrawal. Funds from closed transactions typically take 1 business day to settle and may be withdrawn after settlement and/or the hold period (whichever is later).

### Can I withdraw funds by wires transfer?

Yes. Visit <https://account.options.ai/banking/withdrawal> and select "Withdraw funds". Please note fees may apply.&#x20;