Funds Availability Policy
Understand when your deposited funds become available for use. This policy explains processing times for different deposit methods and any holds that may apply.
At a glance
- Deposited funds are immediately available for wallet-to-wallet transfers.
- Deposited funds are immediately available for invoice payments.
- All deposit methods provide instant availability for eWallet transactions.
- No waiting period for internal eWallet transactions.
Instant availability
Your deposited funds are ready to use immediately within eWallet.
1. Overview
This Funds Availability Policy discloses when funds deposited into your eWallet account will be available for use. At eWallet, we make your deposited funds available immediately for wallet-to-wallet transfers and invoice payments.
eWallet accepts multiple funding methods including ACH transfers, RTP (Real-Time Payments), debit card funding, and wallet-to-wallet transfers. Regardless of the deposit method, funds are available instantly for eWallet transactions.
2. Deposit Methods & Availability
All deposit methods provide immediate availability for wallet-to-wallet transfers and invoice payments:
What You Can Do Immediately
- Wallet-to-Wallet Transfers: Send money to other eWallet users instantly
- Invoice Payments: Pay invoices from businesses using eWallet
- In-App Purchases: Use funds for any transaction within the eWallet ecosystem
3. Withdrawal Processing
While deposited funds are immediately available for eWallet transactions, withdrawals to external accounts have standard processing times:
Important Notes
- Business days are Monday through Friday, excluding federal holidays
- Cut-off time for same-day ACH is 4:00 PM CT
- Withdrawals initiated after cut-off are processed the next business day
- See our Fee Schedule for withdrawal fees
4. Exceptions & Special Circumstances
In rare circumstances, we may need to delay availability or place a hold on funds:
When Holds May Apply
- Suspected fraudulent activity on your account
- Unverified identity (KYC pending)
- Previous returned ACH transactions
- Regulatory compliance requirements
- Account under review
How We Notify You
If we place a hold on your funds, we will:
- Notify you via email and in-app notification
- Explain the reason for the hold (when permitted by law)
- Provide the expected release date
- Offer options to resolve the issue if applicable
5. Business Accounts
Business accounts enjoy the same instant availability for eWallet transactions:
Instant Availability
Business Payouts
When making payouts from your business wallet, funds are sent immediately. The recipient's availability depends on the payment method used.
6. Contact Us
If you have questions about funds availability or need to inquire about a specific deposit:
- Email:support@ewallet.app
- Phone: 1-877-827-0995
- In-App: Go to Support → Deposit Questions
- Mail: JHD Investment Group LLC (d/b/a eWallet), 830 Julie Rivers Dr, Suite 203, Sugar Land, TX 77478
When inquiring about a specific deposit, please have ready:
- Deposit date and amount
- Deposit method used
- Source bank or card information
- Transaction ID (if available)