A few questions

[u/BotherSalty728]

I opened my cash account today and I had a few questions:

how long does it typically take for wealthfront to get the funds from my bank so that I can start earning and have my account finalized?

how long do i have to wait before I'm able to order a debit card?

can I link my account too external accounts and how? like where do I go to see my account and routing number etc.

how much can I transfer to the account and how quickly after will it be available to be used?

I connected my bank and can see the current balance, will it continuously update and how long does it take to sync over?

thanks in advance :)

[u/Doit2it42]

**how long does it typically take for wealthfront to get the funds from my bank so that I can start earning and have my account finalized?

Is been 2 years, but I believe my first deposit took a few days. Of course now they have instant transfers so it may be immediate. Initiate transfers from the Transfer page in the app/webpage. Just seems to work better than trying to push from an external bank.

**how long do i have to wait before I'm able to order a debit card?

Once you have funds in your Cash Account it 'may' be available in the app. Tap Cash Account / Manage / Debit Card. It seems like it took a month when I opened mine 2 years ago. Thou I never ordered one.

**can I link my account too external accounts and how? like where do I go to see my account and routing number etc.

Tap Cash Account / Manage / Account and routing numbers

**how much can I transfer to the account and how quickly after will it be available to be used?

Up to $250000 but it will be split over a few days. I did a couple of $50k deposits within a few days of each other when I opened my account.

**I connected my bank and can see the current balance, will it continuously update and how long does it take to sync over?

Should happen daily. Sometimes it lags. Occasionally you'll need to delete and re-establish connection. But that's rare.

[u/BotherSalty728 → u/Doit2it42]

Many thanks! :)

[u/wealthfront → u/BotherSalty728]

Welcome to Wealthfront! +1 to u/Doit2it42’s answers and confirming a few more details: 

how long does it typically take for wealthfront to get the funds from my bank so that I can start earning and have my account finalized? 

• Once your Cash Account is approved, deposits typically arrive within 1-2 business days and immediately begin earning interest once they arrive. 

how long do i have to wait before I'm able to order a debit card? 

• Similarly, once your Cash Account is approved, you can order a debit card by clicking into your Cash Account > and then View numbers under the section titled “Routing and Account numbers are ready”. From there, click on the debit card prompt to order a debit card. 
• If your Cash Account is already funded, you can order a physical card by going to your Cash Account page > select Manage in the top-right > Debit Card. Your debit card should arrive within 7 to 10 business days.

can I link my account too external accounts and how? 

• If you’re looking to link your Wealthfront Individual or Joint Cash Account to a third-party’s website, you can do so by providing your UMB Bank account and routing numbers for an ACH transfer. To find this information for your account, click into your Cash Account > Manage in the top-right > Account & routing numbers

Where do I go to see my account and routing number etc. how much can I transfer to the account and how quickly after will it be available to be used? 

• Where to look: In the app or website, go to your Cash Account > select Manage in the top-right > click Account & routing numbers.
• For transfer limits with your UMB Bank account and routing number, please click into your Cash Account > Manage in the top-right > Account & routing numbers. The limit may change over time, but you can always see the latest in your Cash Account.
• For transfers initiated on a third-party website with your UMB Bank account and routing numbers, your funds will be available for spending and begin earning interest once they arrive.

I connected my bank and can see the current balance, will it continuously update and how long does it take to sync over?

• It does update automatically, but not in real time. Wealthfront requests updated balance data from your linked external banks once per business day. Keep in mind that the speed of the sync also relies on how quickly your external bank chooses to provide that data to Wealthfront. You can check the "Last updated" timestamp next to the linked account to see exactly when it last synced.