Learn about incoming funds availability

Jun 2, 2026
Knowledge

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Incoming fund availability varies based on the type of transfer or payment. The table below outlines our standard processing times. If you haven’t received your funds within these windows, see how you can track missing payments for more information.

Incoming payments Initiated from the Bluevine dashboard or Mobile app

Incoming Payment Type	Availability Timeframe
External Transfer from a linked external account using Transfer Money on the dashboard and mobile app.	1-3 business days
Mobile check deposit	1-5 business days Funds are typically available the same business day if deposited before 3:00 pm PT / 6:00 pm ET. However, deposit times may be longer for new Bluevine accounts. Check out our guide on check deposit holds to learn more about check deposit time frames.
Cash deposit using Allpoint+ ATMs	Typically available within a few minutes
Cash deposit using Green Dot	Typically available within 10 minutes

Transfers between Bluevine accounts and sub-accounts are instant. For more information on depositing funds into your account, see our help center article.

Incoming payments initiated from outside of Bluevine

Incoming Payment Type	Availability Timeframe
Direct payment from customers and transfers initiated directly from an external bank account	Wire: Posted to the account the same business day if received by 5:00 pm ET / 2:00 pm PT. It will be posted the following business day if received after 5:00 pm ET / 2:00 pm PT.
	ACH: 1-3 business days Note: Direct deposits are considered ACH transfers and take 1-3 business days to post.
External Transfer from 3rd party app (i.e., Cash App, Venmo, etc.)	Instant Transfers: ~10 minutes Standard Transfers: 1–2 business days Note: "Instant" delivery must be selected within the third-party app to arrive within the 10-minute window.
International wires	Posted to the account the same business day if received by 5:00 pm ET / 2:00 pm PT. It will be posted the following business day if received after 5:00 pm ET / 2:00 pm PT.

Tracking missing incoming payments

If you’re missing funds that should have been deposited based on the processing times above, please contact us. To help us locate the payment, provide the following information for the type of transaction you’re missing.

ACH

Sender name
Date sent
Amount
ACH trace ID
- The ACH trace ID is a 15-digit transaction reference number that you can request from the sender. This number is generated for all ACH transfers and is available after the payment has been sent.

External transfer from 3rd party app/ transfers via debit card

Sender name
Date sent
Amount
Trace ID

Domestic wires

Sender name
Date sent
Amount
IMAD/OMAD
- The Input/Output Message Accountability number (IMAD/OMAD) is a transaction reference number used for all domestic wires and is generated when a domestic wire is initiated.
- You can request this from the sending bank. It will be a combination of date (YYYYMMDD or MMDD), source identifier (eight characters), and sequence number (six digits) in that order.
  - Example: 20240531ABCDEFGH012345

International wires

Contact your sender to have them verify with their bank that the payment was sent. They should also check that they included all the details below and that they were recorded correctly.

Verify that Bluevine is listed as the beneficiary on line 57 of the SWIFT Transfer confirmation (MT103). This is a common reason we aren’t able to receive the payment.

Sender name
Date sent
Amount
A copy of the SWIFT Transfer confirmation (MT103)
- An MT103 is a standardized source of proof of payment document that a bank or institution sending money through the SWIFT network can provide. Learn more about MT103’s here.¹

Mobile Check Deposits

Once you’ve initiated a check deposit, you can view more details, including the check images and deposit status, by clicking on the transaction in the Checking tab.

1. This website at the link is not owned or operated by Bluevine.

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Learn about incoming funds availability

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Help Center