How soon will my funds become available after depositing money?

The availability of your funds depends on whether you transferred money using Plaid or a wire transfer before or after 3:00PM as indicated below:

• Plaid Deposits received by Pibank before 3:00 p.m. ET on a business day will be credited to your Account on the next business day, and the funds will become available for withdrawal once the funds have cleared. Plaid Deposits received by Pibank after 3:00 p.m. ET on a business day will be credited to your Account on the second business day, and the funds will become available for withdrawal once the funds have cleared.

• Wire Transfer Deposits received by Pibank before 3:00 p.m. ET on a business day will be credited to your Account and made available for withdrawal at the end of that day. Deposits received by Pibank after 3:00 p.m. ET on a business day will be credited to your Account on the next business day and made available for withdrawal at that time.