> ## Documentation Index
> Fetch the complete documentation index at: https://developer.buildmarkets.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding & Transfers

> Link external bank accounts via ACH, initiate deposits and withdrawals, and track funding activity, statuses, and settlement timing.

## 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."

## 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

## Core Endpoints

Seven primary API endpoints manage funding operations:

| Method | Endpoint                                                 | Purpose                 |
| ------ | -------------------------------------------------------- | ----------------------- |
| POST   | `/v1/accounts/{accountId}/ach-relationships`             | Link bank accounts      |
| GET    | `/v1/accounts/{accountId}/ach-relationships`             | View linked accounts    |
| DELETE | `/v1/accounts/{accountId}/ach-relationships/{achId}`     | Remove bank links       |
| POST   | `/v1/accounts/{accountId}/funding/deposits`              | Start ACH deposits      |
| POST   | `/v1/accounts/{accountId}/funding/withdrawals`           | Start ACH withdrawals   |
| GET    | `/v1/accounts/{accountId}/funding/activity`              | View all transactions   |
| GET    | `/v1/accounts/{accountId}/funding/activity/{activityId}` | View single transaction |

## 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.