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Funding & Transfers

Open and fund your account and start trading the same day on most account types. If you have funds with another firm, a previous 401k, or another type of retirement account, TD Ameritrade makes rollovers and transfers easy.

Electronic FundingWire TransferCheckTransfer AssetsStock Certificates

Electronic Funding

Electronic Funding

Electronic funding of your online brokerage account is easy with TD Ameritrade. You can learn more about funding by visiting our Funding FAQs page.

ACH services are for the primary purpose of the purchase or sale of securities. There is no minimum initial deposit required to open an account with TD Ameritrade.

Acceptable Electronic Funding Deposits

  • When funding a new account with electronic funding through the online application, you may deposit an amount more than $50 and a maximum of $150,000. Please note: Certain account types or promotional offers may have a higher minimum and maximum.
  • When depositing additional funds to an existing account, you may deposit up to $250,000 per day. There is no minimum electronic funding amount for additional deposits into existing accounts.
  • When you choose to add funds to your existing account with an electronic funding request, the funds will post to your account the next business day if the transaction is requested before 5 p.m. ET.
  • Electronic funding transactions must come from a U.S. bank account in U.S. funds.
  • You may draw an electronic funding transaction from a personal checking or savings account titled exactly the same as the TD Ameritrade account you are funding.
  • An electronic funding transaction from a joint bank account may be deposited into either bank account holder's TD Ameritrade account.
  • An electronic funding 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.
  • An electronic funding 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. TD Ameritrade does not provide legal, tax or investment advice. Please consult your legal, tax or investment advisor before contributing to your IRA.

Electronic Funding Restrictions

  • ACH services may be used for the primary purpose of the purchase or sale of securities.
  • Funds deposited electronically can be used immediately for trading most marginable securities.
  • 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 they are returned to the originating bank account via wire (subject to fee) or ACH. All electronic deposits are subject to review and may be restricted for 60 days. See Funding Restrictions for more information.
  • You may not draw funds from third-party accounts, such as a business account (even if your name appears on the account), or the account of a party who is not one of the TD Ameritrade account owners.
  • You may not transfer funds to third-party accounts, such as a business account (even if the account owner(s) name appears on the account), or the account of a party who is not one of the owners of your TD Ameritrade account.
  • Not all financial institutions participate in electronic funding. If you are unsure of your bank's policy, please consult your bank to determine if they will approve an electronic transfer of funds prior to using electronic funding. You may be charged an ACH Return Fee if your bank rejects an electronic funding transfer. Please note: When using electronic funding, a transfer reject may occur subsequent to account opening and/or after your account is credited for the amount of your electronic funding request.
  • You may attempt an electronic funding transaction, however, the success of this transaction is subject to your financial institution. Electronic transfers may not be available with all financial institutions.

Wire Transfer

Wire Transfer

Fund your TD Ameritrade online brokerage accounts quickly and easily with a wire transfer.

There is no minimum initial deposit required to open an account. To avoid a rejected wire or a delay in processing your wire, please include your active TD Ameritrade account number on the wire. Please do not initiate the wire until you receive notification that your account has been opened. You can also learn more about funding by visiting our Funding FAQs page.

Incoming Wire Transfer Foreign Wire Transfer

Incoming Wire Transfer

Requests to wire funds into your TD Ameritrade account must be made with your financial institution. Please have the bank include the sender name on the wire. This information must be included 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, require verification prior to acceptance 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 should be sent to TD Ameritrade as follows:

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 the banks, with questions or concerns about a wire transfer. Please do not send checks to this address.

Foreign Wire Transfer

Wire transfers that involve a bank outside of the United States are classified as foreign wires. Because these banks are not on the Federal Reserve System, an intermediary U.S. bank is needed. Along with the name and address of the intermediary bank, a SWIFT code or a sort code needs to be included. All wires sent from a third party are subject to review, require verification prior to acceptance, and may be returned. We are unable to accept wires from some restricted countries.

If your financial institution is located outside the United States, wire to:

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 the banks, with questions or concerns about wire transfers.

Check

Check

Funding your TD Ameritrade online brokerage account is hassle-free and easy with TD Ameritrade.

Please refer to these check funding guidelines to avoid having your check returned to you as unacceptable. You can avoid a returned check by using Electronic Funding. It’s a fast, easy, and flexible way to electronically deposit cash into your eligible TD Ameritrade account directly from your checking or savings account. Please see the "Electronic Funding" tab or call a Client Services representative at 1-800-669-3900 for details. Please note: TD Ameritrade may verify funds prior to posting your check to your account. There is no minimum initial deposit required to open an account with TD Ameritrade.

Check Instructions

Sending a check for deposit into your new or existing TD Ameritrade brokerage account?

Make payable instructions: Make checks payable to "TD Ameritrade Clearing, Inc." (except third party checks - see "Acceptable Check Deposits" below).

Mailing Checks

For new accounts, please submit an Account Application with your check and mail to:

Regular Mail: PO Box 2760, Omaha, NE 68103-2760 Overnight Mail: 200 S 108th Ave., Omaha, NE 68154-2631

For existing non-IRAs, please submit a Deposit Slip with your check and mail to:

Regular Mail: PO Box 2229, Omaha, NE 68103-2229 Overnight Mail: 200 S 108th Ave., Omaha, NE 68154-2631

For existing IRAs, please submit an IRA Deposit Slip with your check and mail to:

Regular Mail: PO Box 2229, Omaha, NE 68103-2229Overnight Mail: 200 S 108th Ave., Omaha, NE 68154-2631

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 an account owner's name and must include 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.
  • Cashier's check with the remitter name, pre-printed by the bank. The remitter 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 the TD Ameritrade account owner and endorsed over to TD Ameritrade or make the check 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 Jane Doe.
  • 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 , the check must be payable to: "TD Ameritrade Clearing, Inc. / FBO the Investment Club name." "FBO" stands for "For the Benefit Of."

Unacceptable Check Deposits

The following are example of unacceptable deposits:

  • Coin or currency
  • Money Orders
  • Foreign instruments
  • Thrift withdrawal orders
  • Domestic drafts
  • Checks that have been double-endorsed (checks 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
  • Check dated over six months old
  • Travelers checks
  • Credit card checks

Please note: This is only a guide, and there may be 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 itial public offering (IPO) stocks or options during the first six business days. This holding period begins on settlement date. See Funding Restrictions for more information.

Transfer Assets

Transfer assets from an existing TD Ameritrade account into another TD Ameritrade account

Transferring assets between two online brokerage accounts is easy with TD Ameritrade. There is no minimum initial deposit required to open an account.

  • Transferring assets between two TD Ameritrade accounts requires an Internal Account Transfer Form.
  • The form must be signed and dated by all account owners of the delivering account (the account the funds are coming out of). However, if a debit balance is part of the transfer, the receiving account owner signature(s) will also be required.
  • All contributions to an IRA must be made in cash. Stocks may only be deposited into an IRA if they were taken as a distribution within the last 60 days.
  • Transfers from a qualified retirement plan are typically completed by following the instructions of the administrator of the plan and may not require that you complete a TD Ameritrade Account Transfer Form. Please contact your plan administrator to determine their procedures and your eligibility for removing funds from the plan.

Please note that trading in the delivering account may delay the transfer.

Transfer assets from another firm into a TD Ameritrade account

There is no minimum initial deposit required to open an account with TD Ameritrade, however, special promotional offers may have requirements. To expedite your account transfer, the name(s)/title on the account to be transferred must match the name(s)/title on your receiving TD Ameritrade account. Please read the important information below.

  • Please submit a separate Transfer Form for each account you are requesting to transfer. Be sure to include a copy of your most recent statement.
  • To protect our clients, it is TD Ameritrade's policy to act only on transfer requests where the name(s)/title on the account to be transferred matches the name(s)/title on the receiving TD Ameritrade account.

Please read through the examples below for further information and instructions regarding transferring your account(s). (Please note: Once your transfer is complete, you may add or remove account owners on your TD Ameritrade account, or establish other TD Ameritrade accounts without like titles which you can transfer between internally.)

Examples of Transfers (In all examples below, the account to be transferred is listed first, and the TD Ameritrade account title is second.)

How to make the above unacceptable example into an acceptable transfer:

  • Add the same co-owner to the account at the receiving firm, so it becomes a Joint account transferring to a Joint account. As noted above, remove account owners on your TD Ameritrade account once the transfer is complete.
  • Remove the additional account owner (Jane A. Public JTWROS) before initiating the transfer from the delivering firm. Open an Individual account at TD Ameritrade, so it becomes an Individual account transferring to an Individual account.

What to Expect When Transferring Your Account

Transfer Time Frames

Most total 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 a TD Ameritrade representative to ensure your account meets TD Ameritrade 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. You can avoid this by contacting your delivering broker prior to transferring the account.

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.

Transfer cash between TD Ameritrade accounts

Conveniently transfer cash between TD Ameritrade accounts in real-time for trading and investing during market hours. Simply go to Deposit/Withdraw under the Accounts tab. You can set up a TD Ameritrade account to receive funds (non-retirement accounts) by adding it to a Transfer to list. Once all required information is provided you can transfer cash between accounts quickly and easily.

Please note if the new account has the same ownership as the delivering account then the account will be added to your list immediately. If the account does not have the same ownership then you will be prompted to provide some limited additional information before your new account is added to the saved list.

There may be additional requirements when transferring between different kinds of accounts. You can always contact a Client Services Representative for help.

Roll over a 401k or other employer-sponsored retirement plan into a TD Ameritrade account

If you're looking for a way to consolidate your old 401ks or other qualified retirement plans – such as 401k's, Keoghs, profit-sharing plans or defined benefit plans - into an account that's easy to manage and monitor, consider rolling it over to a TD Ameritrade IRA. You could be eligible if you've met one of the qualifying events as outlined in IRS regulations.

You can set up your TD Ameritrade IRA as a Rollover IRA, which may allow you to move the funds to another qualified retirement plan in the future, or set it up as a tax-deferred Traditional IRA. Check with your tax advisor to determine which type of IRA will better suit your needs.

Please note: 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.

Questions about your transfer or rollover? Please see Frequently Asked Questions About Transferring Your Account or call 800-213-4583 to speak with a Retirement Specialist.

Stock Certificates

Stock Certificates

Depositing stock certificates into your account is easy with TD Ameritrade. Best of all, there is no minimum initial deposit required to open an account.

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.

Sending in Certificates for Deposit

You may generally deposit shares 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 - see "Additional Certificate Documentation" below.

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 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 visit our Contact Us section for information on how to contact a Client Services representative to make sure there will be no delays in processing your securities.

Certificate Mailing Instructions

For new accounts, please submit an Account Application with your certificate(s).

For existing accounts, please submit a Deposit Slip with your certificate(s).

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

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

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