# Funding your US financial account

Top up your US financial account by pulling funds from a linked bank account, or pushing funds from your external bank. For details on how each payment method works, see US payment methods for funding your financial accounts.
## Initiating a top-up
### Pull from external bank (ACH Debit)
1. Go to **Balances** > **Financial account** in the Dashboard.
1. Select **Add money** > **Linked bank account**.
1. Choose your verified external bank account. If you haven't verified your bank account, you'll need to complete microdeposit verification or add your bank account again by logging in through Financial Connections.
1. Enter the amount and confirm.
Stripe initiates the ACH debit on the next working day. Funds typically arrive in 0 – 3 working days.
### Push from your bank (ACH Credit, Fedwire or RTP)
No setup is required in Stripe. Instruct your external bank to send a payment to:
* Routing number: found in the Dashboard under **Financial account** > **Account details**
* Account number: found in the same location
* Account holder name: your business name as registered with Stripe
ACH Credit funds typically arrive in 1 – 2 working days. For same-day settlement, use Fedwire and ensure your bank submits the electronic transfer before 17:00 ET on a working day. Alternatively, use RTP, which is available 24/7.
## Settlement timelines and cutoff times
- Method
- Cutoff
- Typical settlement
- Available 24/7?
---
- ACH Debit (pull)
- Initiated by 17:00 ET
- 3 – 5 working days
- No (working days only)
---
- ACH Credit (push)
- Depends on your bank
- 0 – 2 working days
- No (working days only)
---
- Fedwire
- 17:00 ET
- Same working day
- No (Fed hours only)
---
- RTP
- n/a
- Typically within minutes
- Yes
Transfers submitted after business-day cutoffs, or on weekends and US federal holidays, are processed on the next working day. This applies to both ACH and Fedwire.
## FAQ
### Do ACH transfers have a minimum or maximum?
There is no Stripe-imposed minimum. ACH transfers are subject to your bank's per-transaction limits, and Stripe may apply daily or monthly limits based on your account type. Contact support if you need higher limits.
### Why hasn't my ACH pull arrived after 5 working days?
ACH returns can occur if there are insufficient funds, the account is closed, or the account holder disputes the debit. Check the Dashboard under **Financial account** > **Transactions** for any return codes. If no return is shown and it has been more than 5 working days, contact Stripe support.
### Can I cancel an ACH Debit pull after initiating it?
ACH Debit pulls can be cancelled within a short window (typically same day) before they're submitted to the network. After submission, cancellation isn't possible; you'd need to wait for settlement and then move the funds back.
### What are the Fedwire routing details?
Your financial account's routing number and account number for Fedwire are the same as for ACH. Both are visible in the Dashboard under **Financial account** > **Account details**.