Who can use ACH and FedWire
• Users with US bank accounts
• Transfers must be in USD
Enable ACH / Fedwire Bank Transfers
Go to: https://dev.ether.fi/app/cash/bank/usd and select:
When using this feature for the first time, you will be prompted to accept terms and conditions and an account will be created for you with our third party provider.
You may additionally be asked for additional information (such as tax identification number) in order for your account to be approved.
Once your account is approved and set up you should see deposit details when adding funds, and a recipient list when sending funds.
ACH Transfers
Processing time
1 to 2 business days in most cases
Next Day ACH
Processes by 8:30 AM next business day
Same Day ACH
Settles at 1:00 PM, 5:00 PM, or 6:00 PM same day
FedWire Transfers
Processing time
Typically less than 3 hours
Transfers submitted after 4:45 PM ET are sent the next business day.
How deposits work
Go to Add Funds
Select Bank → USD
Choose ACH or FedWire
Use your virtual USD account details
Initiate the transfer
Any USD sent results in USDC being deposited into your Vault.
Important:
If you send a USD transfer via SWIFT to your ACH or FedWire virtual account, the deposit will be rejected and automatically refunded to your bank.
Refunds typically take 3 to 5 business days, depending on your bank.
If you need to send an international USD wire, please refer to the dedicated SWIFT deposit guide.
How withdrawals work
Go to Withdraw
Select Bank → USD
Choose ACH or FedWire
Enter your bank details
Confirm the withdrawal
Funds are sent within the stated processing time.
Frequently Asked Questions
Which banks can I use
Which banks can I use
Any bank that supports ACH or FedWire payment rails can be used for USD transfers. If you transfer via SWIFT using ACH or Fedwire, the payment will fail.
Why do I need to upload additional documentation
Why do I need to upload additional documentation
In most cases additional documentation is not required.
However, you may be asked to provide further information to meet compliance requirements for bank transfers.
Why did my off-ramp include a network fee
Why did my off-ramp include a network fee
Any bridging fee is shown upfront and only applied if you confirm.
Are there any limits
Are there any limits
From/to your own bank account: No limit on incoming or outgoing transfers.
From/to a business bank account: No limit on incoming or outgoing transfers.
Incoming from a third-party private bank account: Limited to $4,000 (e.g., a friend can't send you more than $4,000).
Outgoing to a third-party private bank account: No limit (e.g., you can send any amount to a friend).
Monthly limits also vary depending on your membership tier:
Membership tier | Monthly limit | Fee |
Core | $10,000 | 0.2% |
Luxe | $50,000 | 0.2% |
Pinnacle | $200,000 | 0.2% |
VIP | ⭐ | 0.2% |
What is the minimum amount
What is the minimum amount
2 USD is the minimum that can be sent or received.
My transfer is taking longer than usual
My transfer is taking longer than usual
If funds have not arrived within the expected timeframe, contact support via chat or email.
If sent from your bank, request a Trace ID from your bank to help us locate the transaction faster.
Why was my Wire / ACH transfer rejected
Why was my Wire / ACH transfer rejected
Common reasons include:
• Incorrect bank details
• Name mismatch
• Missing payment reference
• Compliance or regulatory restrictions
If your transfer was returned, contact support with your transfer confirmation.
Still have some questions?
Reach out to ether.fi at support@ether.fi, or by clicking the chat icon on the bottom right. Please avoid contacting our banking partners directly, as they are not best suited to help you.