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

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

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.