Receiving Funds

How to Trace Incoming Funds

If the funds you’re awaiting haven't made it to the account yet, here's what to do:

Double-check that the sender used the correct fund-receiving instructions. You'll find these on your All Accounts Tab, on the right side under "View Documents," or access them from the Account Details in the upper-right corner once you select the desired Account from the left-hand toolbar.

If the instructions were followed correctly, ask the sender for some helpful information to help us investigate:

  • For ACH transactions, request the ACH TRACE number (typically a 15-digit number). The sender's bank can provide this. We will also need the exact sender’s name, amount sent, and date sent.

  • For domestic wire transactions, you'll need federal reference numbers (IMAD and OMAD details) ​​from the sender. Again, we need the sender's name, amount, and date.

  • For international wires, ask for the MT103 Data or SWIFT confirmation. Remember to acquire the sender's info, the amount sent, and the date.

Need more information on when to expect incoming payments? We've got a handy guide on Expected Settlement Times. If you have any additional questions, reach out to our support team at