How to Deposit via Bank Transfer (ACH) Using Account & Routing Numbers

FTX.US offers an easy way to link your bank account using your account and routing numbers instead of Plaid. ACH Bank transfers are processed directly from your bank account into your FTX.US account. 

Connecting Your Bank:

1. Go to


2. Click on 'Deposit' on the 'USD and Stablecoins' row


3. Click on 'Deposit via ACH'


4. Click on 'Connect a Bank Account'


Note: You will now be redirected to Plaid to connect your bank account.

5. Click on 'Continue' 


6. Search 'routing' and select the "Link with account numbers" button.


7. Please review the 3 steps and click 'Continue'.



8. Enter your name as it is exactly shown on your bank and click 'Continue'.


9. Select the account type (Checking or Savings) and click 'Continue'.



10. Select the account type (Personal or Business) and click 'Continue'.


11. Enter your routing number as it is exactly shown on your bank and click 'Continue'.

12. Enter your account number as it is exactly shown on your bank and click 'Continue'.

13. Plaid is now asking for your permission to make two micro deposits into your bank account within the next day to confirm you own the account. Click 'Authorize' to continue.

14. Please verify that you will return back to FTX.US in one business day to verify the deposits in the system. Once you see these deposits in your bank, please follow the rest of this guide on how to finish your banking connection. 


15. Select the account you wish to use and then click 'Submit'


16. Please now enter your billing info as it exactly is on your bank account. Entering the wrong billing info will cause a rejection in the system. Confirm the information is correct and click 'Submit'




17. Go back to


18. Click on 'Deposit' on the 'USD and Stablecoins' row


19. Click on 'Deposit via ACH'


20. Please click on the "Select account" tab and chose the bank that says (Verify deposits to link) next to it.


21. Once you have selected your bank, please click "VERIFY DEPOSITS TO CONNECT".


22. Please enter the amount of the first deposit you see on your bank from "ACH CREDIT FTX US deposit" and then click "Continue". 


23. Please enter the amount of the second deposit you see on your bank from "ACH CREDIT FTX US deposit" and then click "Continue". 


24. Congratulations! You have just successfully linked your bank to your FTX.US account for deposit and withdraw. 

Please Note:  After clicking continue you may see your bank in a (Pending) status. Please wait until it either changes to (Approved) or (Rejected) before doing anything. If the account turns to a (Rejected) status, please open a support ticket here.



Submitting An ACH Deposit:

1. Select the bank account that you added and enter the amount that you would like to deposit. Please then click 'Authorize'. Please read the bottom of this page for important info about ACH deposits. 


2. Review the final details and click 'Submit'. 

Important ACH Info

ACH deposits aren't always early credited due to risk purposes or because of the 5k early credit limit (rolling) being reached. If that's the case, it usually takes up to 6 business days for the funds to clear through the ACH network and land in your FTX.US account. To avoid this in the future, feel free to send a wire deposit. 

Please Note: ACH deposits must clear your bank and our bank (6 business days) and then are held for another 7 business days. In the case that there is a delay with the ACH system or technical issues, withdrawals will be available regardless of status on ACH deposits within 15 business days as long as those deposits have cleared your bank and our bank.

We have the right to hold your funds up to 60 days if there is any sign of unauthorized activity or fraud.

For more information regarding depositing via ACH bank transfer, please visit our ACH FAQ page.