TD Ameritrade

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Funding & Transfers

Fund your account and get started trading in as little as 30 minutes

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We offer a variety of ways to fund your TD Ameritrade account so that you can quickly start trading. Whether depositing money, rolling over your old 401k, or transferring money from another brokerage firm, discover the method that's right for you and get started today.

How to fund

Choose how you would like to fund your TD Ameritrade account. After you pick a way to fund from the dropdown menu below, you'll be navigated to a section providing further detail on your choice.

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Electronic Bank Deposit (ACH)

Make a deposit into a TD Ameritrade account from your bank account. This is how most people fund their accounts because it's fast and free.
Learn more

Wire Transfer

Transfer funds from your bank or other financial institution to your TD Ameritrade account using a wire transfer.
Learn more

Deposit via mobile

Take a picture of your check and send it to TD Ameritrade via our mobile app. We accept mobile deposits up to $10,000.
Learn more

Mail in your check

Mail in your check to TD Ameritrade. If your check is more than $10,000, you must mail it in.
Learn more

401(k): the money is still in my former employer's plan

If you have money in your former employer's account, you can roll it over into a TD Ameritrade IRA.
Learn more

I have a check made payable to me

If you already have a check from either your previous 401k or IRA and you've already opened an IRA with TD Ameritrade, first deposit it into your personal bank account, then transfer the money into your TD Ameritrade account.
Learn more

IRA: I'm transferring assets from another IRA

Fill out an External Transfer Form or call us and we'll help you move your assets into a TD Ameritrade IRA.
Learn more

External Securities Transfer

Get started online and we'll move your assets from your previous investment firm to TD Ameritrade.
Learn more

Ways to fund

These are the 5 primary ways to fund your TD Ameritrade account.

Electronic Bank Deposit (ACH)

Electronically transfer money from your bank account to your TD Ameritrade account

Standard completion time:

30 mins - 3 business days

Contribution limits:

$50 - $250,000

How to start:

Set up online

Choice #1

Start trading fast with Express Funding

Authorize a one-time cash transfer from your bank during regular trading hours, and start trading in as little as 30 minutes.

Standard completion time:

30 mins

Contribution limits:

$150,000 limit

How to start:

Set up online

Choice #2

Connect your bank account

Give instructions to us and we'll contact your bank.

Standard completion time:

2 - 3 business days

Contribution limits:

$250,000 limit

How to start:

Set up online

Choice #3

Initiate transfer from your bank

Give instructions directly to your bank. Here's what they need to know:

Amount

Routing #: XXXXXXXXX

Account #: XXXXXXXXX

Standard completion time:

1 business day

Contribution limits:

No limit (but your bank may have one)

How to start:

Contact your bank

Open new account

Acceptable deposits and funding restrictions

Acceptable deposits

You may deposit between $50 and $150,000 when funding a new account with electronic funding through the online application. Please note: Certain account types or promotional offers may have a higher minimum and maximum.

You may deposit up to $250,000 per day when depositing funds to an existing account. There is no minimum.

Funds will typically be available by the next business day if the transaction is requested before 5 p.m. ET.

Transactions must come from a U.S. bank account in U.S. funds.

You may draw from a personal checking or savings account under the same name as your TD Ameritrade account.

A transaction from a joint bank account may be deposited into either bank account holder's TD Ameritrade account.

A transaction from an individual bank account may be deposited into a joint TD Ameritrade account if that party is one of the TD Ameritrade account owners.

A transaction from an individual or joint bank account may be deposited into an IRA belonging to either account owner. Maximum contribution limits cannot be exceeded. We do not provide legal, tax or investment advice. Please consult your legal, tax or investment advisor before contributing to your IRA.

Funding restrictions

ACH services may be used for the purchase or sale of securities.

Funds deposited electronically can be used immediately for trading.

Funds deposited electronically can be used to purchase non-marginable securities, initial public offering (IPO) stocks, or options three business days after deposit settlement date.

Within the first 60 days that the account is open, funds deposited electronically may be withdrawn three business days after deposit settlement date if returned to originating bank account via wire(subject to fee) or ACH. All electronic deposits are subject to review and may be restricted for 60 days.

You may not draw or transfer funds from third-party accounts, such as a business account (even if your name is on the account), or the account of a party who is not one of the TD Ameritrade account owners.

Not all financial institutions participate in electronic funding. Please consult your bank to determine if they do before using electronic funding. You may be charged an ACH Return Fee if your bank rejects the transfer. Please note: a transfer reject may occur subsequent to account opening and/or after your account is credited for the amount of your electronic funding request.

Wire Transfer

Fund your TD Ameritrade account quickly with a wire transfer from your bank or other financial institution.

Standard completion time:

1 business day

Contribution limits:

No limit

How to start:

Contact your bank

There is no minimum initial deposit required to open an account. To avoid a rejected wire or a delay in processing, include your active TD Ameritrade account number. Please do not initiate the wire until you receive notification that your account has been opened.

Standard completion time:

1 business day

Contribution limits:

No limit

How to start:

Contact your bank

If your bank is located in the United States

Wells Fargo Bank, NA

420 Montgomery Street

San Francisco, CA 94104

ABA transit routing # 121000248

For credit to:

TD Ameritrade Clearing, Inc.

Account # 4123214561

*For benefit of:

Your nine-digit TD Ameritrade account number

Your name

Your address

*Required for timely and accurate processing of your wire request.

Please contact TD Ameritrade, and not Wells Fargo Bank, with questions or concerns about a wire transfer. Please do not send checks to this address.

If your bank is located outside the United States

First National Bank of Omaha

16th & Dodge Streets

Omaha, NE 68102

ABA # 104000016

Swift Code / BIC: FNBOUS44XXX (If your bank requires it)

For credit to:

TD Ameritrade Clearing, Inc.

A/C # 16424641

*For benefit of:

Your nine-digit TD Ameritrade account number

Your name

Your address

*Required for timely and accurate processing of your wire request.

Please contact TD Ameritrade, and not First National Bank of Omaha, with questions or concerns about wire transfers.

Open new account

Acceptable deposits and funding restrictions

Acceptable deposits

Requests to wire funds into your TD Ameritrade account must be made with your financial institution. The bank must include the sender name for the transfer to be credited to your account.

A rejected wire may incur a bank fee. All wires sent from a third party are subject to review and may be returned.

A wire from a joint bank/brokerage account may be deposited into a TD Ameritrade account by either or both of the joint account owners.

A wire from an individual bank/brokerage account may be deposited into a joint TD Ameritrade account if that person is one of the TD Ameritrade account owners.

Wire transfers that involve a bank outside of the U.S. require an intermediary U.S. bank. The name, address, and SWIFT or sort code of the intermediary bank must be included.

We are unable to accept wires from some countries.

Check

Simply send a check for deposit into your new or existing TD Ameritrade account.

Standard completion time:

1 - 3 business days

Contribution limits:

No limit

How to start:

Use mobile app or mail in

Choice #1

Mobile deposit

Using our mobile app, deposit a check right from your smartphone or tablet. Select your account, take front and back photos of the check, enter the amount - up to $10,000 - and submit. There are no fees to use this service.

Mobile check deposit not available for all accounts. Other restrictions may apply. See Mobile Check Deposit Service User Agreement for complete terms and conditions.

Standard completion time:

1 business day

Contribution limits:

$10,000 per day

How to start:

Use mobile app

Choice #2

Mailing checks:

Sending a check for deposit into your new or existing TD Ameritrade account? Make checks payable to "TD Ameritrade Clearing, Inc." (except third party checks)

For non-IRAs, please submit a Deposit Slip with a check filled out with your account number and mail to:

Regular Mail: PO Box 2760, Omaha, NE 68103-2760

Overnight Mail: 200 S 108th Ave., Omaha, NE 68154-2631

For IRAs, please submit an IRA Deposit Slip with a check filled out with your account number and mail to:

Regular Mail: PO Box 2789, Omaha, NE 68103-2229

Overnight Mail: 200 S 108th Ave., Omaha, NE 68154-2631

Standard completion time:

2 - 3 business days

Contribution limits:

No limit

How to start:

Mail check with deposit slip

Open new account

Acceptable deposits and funding restrictions

Acceptable check deposits

Checks must be payable in U.S. dollars and through a U.S. bank.

Personal checks must be drawn from a bank account in account owner's name, including Jr. or Sr. if applicable.

Checks from joint checking accounts may be deposited into either checking account owner's TD Ameritrade account

Checks from an individual checking account may be deposited into a TD Ameritrade joint account if that person is one of the account owners.

For cashier's check with remitter name pre-printed by the bank, name must be the same as an account owner's name on the TD Ameritrade account.

Third party checks (e.g. husband, wife, business, etc.) payable to TD Ameritrade account owner and endorsed over to TD Ameritrade can also be made payable to TD Ameritrade Clearing, Inc. / FBO the TD Ameritrade account owner and the TD Ameritrade account number. "FBO" stands for "For the Benefit Of."
Example: TD Ameritrade Clearing, Inc. / FBO Your Name

Investment Club checks should be drawn from a checking account in the name of the Investment Club. If a member of the Investment Club remits a check in their name, the check must be payable to: "TD Ameritrade Clearing, Inc. / FBO the Investment Club name."

Unacceptable deposits

Coin or currency

Money orders

Foreign instruments

Thrift withdrawal orders

Domestic drafts

Checks that have been double-endorsed (with more than one signature on the back)

Third party checks not properly made out and endorsed per the rules stated in the "Acceptable Deposits" section

Checks from minors

Checks dated over six months old

Travelers checks

Credit card checks

Other/more

Please note: there may be other situations when a remittance is unacceptable.

Availability of funds

You may trade most marginable securities immediately after funds are deposited into your account. However, these funds cannot be withdrawn or used to purchase non-marginable, initial public offering (IPO) stocks or options during the first six business days. This holding period begins on settlement date.

External Securities Transfer

Transfer stocks, options, ETFs and other assets into your TD Ameritrade account from another firm.

Standard completion time:

About a week

Contribution limits:

No limit

How to start:

Set up online

Choice #1

Transfer assets from another brokerage firm

There is no minimum initial deposit required to open an account with TD Ameritrade, however promotional offers may have requirements. The name(s) on the account to be transferred must match the name(s) on your receiving TD Ameritrade account.

Please submit a separate Transfer Form for each account you are requesting to transfer. Include a copy of your most recent statement.

Standard completion time:

About a week

Contribution limits:

No limit

How to start:

Call us or submit a Transfer Form

Choice #2

Retirement account transfer (Roll over 401(k) or IRA)

The name/title of your new TD Ameritrade account must be the same as the name/title of the account at the firm you are transferring from.

A rollover is not your only alternative when dealing with old retirement plans. Learn more about rollover alternatives or call 800-213-4583 to speak with a Retirement Consultant.

Standard completion time:

About a week

Contribution limits:

No limit

How to start:

Call us

The money is still in your former employer's account

Call your plan administrator (the company that sends you your statements) and let them know you want to roll over assets to your new TD Ameritrade account.

Ask your administrator to mail a check made payable to "TD Ameritrade Clearing, Inc., for the benefit of Your Name, Account Number: xxxxxxxxx".

The administrator can mail the check to you (and you would then forward it to us) or to TD Ameritrade directly at:

Regular Mail:

TD Ameritrade, Inc.

PO Box 2760

Omaha, NE 68103-2760

Overnight Mail:

TD Ameritrade, Inc.

200 South 108th Ave

Omaha, NE 68154-2631

You have a check from your old plan made payable to you

Deposit the check into your personal bank account.

When the check has cleared, transfer the entire amount to your new TD Ameritrade IRA. Either make an electronic deposit or mail us a personal check. Be sure to select "60-day-rollover" as the contribution type.

If your administrator withheld 20% for federal taxes, you'll need to make up the difference in your deposit. Otherwise, you may be subject to additional taxes and penalties.

You are transferring assets from another IRA

Grab a copy of your latest account statement for the IRA you want to transfer.

Fill out our External Transfer Form to move the IRA from another firm to TD Ameritrade

Open new account

Acceptable account transfers and funding restrictions

What to expect when transferring your account

Transfer time frames

Most account transfers are sent via Automated Customer Account Transfer Service (ACATS) and take approximately five to eight business days upon initiation. ACATS is a regulated system through which the majority of total brokerage account transfers are submitted. Any residual balances that remain with the delivering brokerage firm after your transfer is completed will follow in approximately 10-20 business days. If you have any questions regarding residual sweeps, please contact the transferor firm directly. Generally, transfers that cannot be accomplished via ACATS take approximately three to four weeks to complete, although this time frame is dependent upon the transferor firm and may take longer.

Mutual Funds

Some mutual funds cannot be held at all brokerage firms. This typically applies to proprietary and money market funds. These funds will need to be liquidated prior to transfer.

Non-standard assets

Non-standard assets - such as limited partnerships and private placements - may only be transferred to retirement accounts at TD Ameritrade. Additional fees will be charged to transfer and hold the assets. Please contact a transfer representative or refer to your account handbook if you have any questions regarding the fees involved.

Margin and options accounts

If you are transferring a margin and/or options account with an existing debit balance and/or options contract, please make sure that you have been approved for margin/options trading in your TD Ameritrade account. Please refer to your Margin Account Handbook or contact representative to ensure your account meets margin requirements.

IRA debit balances

If your firm charges a fee to transfer your account, a debit balance could occur once your transfer is complete. Avoid this by contacting your delivering broker prior to transfer.

To resolve a debit balance, you can either:

Fund your account with an IRA contribution (IRA contributions must be in accordance with IRS rules and contribution limitations).

Liquidate assets within your account.

Physical Stock Certificates

Swiftly deposit physical stock certificates in your name into an individual TD Ameritrade account.

Standard completion time:

1 business day

Contribution limits:

No limit

How to start:

Mail in

Sending in physical stock certificates for deposit

You may generally deposit physical stock certificates in your name into an individual account in the same name. Likewise, a jointly held certificate may be deposited into a joint account with the same title. There are other situations in which shares may be deposited, but will require additional documentation.

Standard completion time:

1 business day

Contribution limits:

No limit

How to start:

Submit a deposit slip

Mailing instructions

Please submit a deposit slip with your certificate(s).

Regular Mail:

PO Box 2229

Omaha, NE 68103-2229

Overnight Mail:

200 South 108th Ave., Omaha, NE 68154-2631

Open new account

How to send in certificates for deposit

Certificate documentation

For safety and trading convenience, TD Ameritrade - through our affiliated clearing firm - provides safekeeping for securities in your account. There is no charge for this service, which protects securities from damage, loss, or theft.

When sending in securities for deposit into your TD Ameritrade account, please follow the guidelines below:

Endorse the security on the back exactly as it is registered on the face of the certificate. All listed parties must endorse it.

Include your account number (if known) and Social Security number or Tax ID number on the front of the Stock Certificate(s).

Indicate TD Ameritrade Clearing, Inc. (our Clearing Firm) as your Attorney to Transfer on the appropriate line on the back of the certificate(s). This means the securities are negotiable only by TD Ameritrade Clearing, Inc. and can be mailed safely. On the reverse side of the certificate, insert the words "TD Ameritrade Clearing, Inc." in the blank space before the words "Attorney to Transfer".

Additional Certificate Documentation

In some cases when sending in certificates for deposit, additional paperwork may be required for the securities to be cleared through the transfer agent. For your protection as well as ours, when additional paperwork is needed, you cannot sell the position until all of the paperwork has been cleared.

Here are some instances where additional documentation may be needed:

Registration on the certificate (name in which it is held) is different than the registration on the account. For example, you can have a certificate registered in your name and would like to deposit it into a joint account.

The certificate is sent to us unsigned.

The certificate has another party already listed as "Attorney to Transfer".

The securities are restricted stock, such as Rule 144 or 145, or they are considered legal transfer items.

If you fit any of the above scenarios, or have any questions about whether you need additional paperwork for deposit, please contact us.

Let's get started together

If you'd like us to walk you through the funding process, call 800-454-9272 or visit a branch.

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