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Overview

The Money Movement APIs enable users to “link external bank accounts to a brokerage account, initiate deposits and withdrawals via ACH, and retrieve the full funding activity history.”

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Key Process Flow

The funding workflow involves four main steps:
  1. Creating an ACH relationship to connect a bank account
  2. Initiating deposits to move money into the brokerage account
  3. Waiting for cash settlement to establish buying power
  4. Placing trades and initiating withdrawals as needed

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Core Endpoints

Seven primary API endpoints manage funding operations:
MethodEndpointPurpose
POST/v1/accounts/{accountId}/ach-relationshipsLink bank accounts
GET/v1/accounts/{accountId}/ach-relationshipsView linked accounts
DELETE/v1/accounts/{accountId}/ach-relationships/{achId}Remove bank links
POST/v1/accounts/{accountId}/funding/depositsStart ACH deposits
POST/v1/accounts/{accountId}/funding/withdrawalsStart ACH withdrawals
GET/v1/accounts/{accountId}/funding/activityView all transactions
GET/v1/accounts/{accountId}/funding/activity/{activityId}View single transaction

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Settlement & Status Information

ACH relationships progress through statuses: QUEUED, PENDING, APPROVED, REJECTED, and CANCELLED. Funding activities track transfer progress with statuses including PENDING, SETTLED, FAILED, CANCELLED, and RETURNED. Production ACH transfers typically complete within “1–3 business days,” while sandbox environments process instantly.