ACH (Automated Clearing House) is the electronic network that allows you to move money between bank accounts in the United States. In Hapi, you can use it to deposit or withdraw funds directly from your U.S. bank account, without needing a card or a traditional wire transfer.
👉 Link your bank account once with Plaid. After that, you'll be able to deposit or withdraw funds in just a few steps.
Fees and Timelines
Action | Fee | Estimated availability |
ACH Deposit | $2.99 per transaction | 1–3 business days |
ACH Withdrawal | $5.99 per transaction | 1–3 business days |
Processing times may vary depending on your bank, operational validations, or compliance reviews.
👉 You'll see the fee and total amount before confirming any transaction.
How to Deposit
Go to Banking and tap "Transfer money".
Select "Deposit funds" and choose ACH as your method.
If it's your first time, the app will open Plaid to link your bank account.
Enter the amount or use the quick options: $100 / $250 / $500 / $1,000.
Review the summary and confirm.
What you'll see before confirming
You receive in Hapi: amount entered
Deposit fee: $2.99
Charged to your bank: amount + $2.99
👉 The bank account linked for deposits and withdrawals must belong to the Hapi account holder.
👉 Some ACH deposits may be subject to holds, additional validations, or reversal if rejected by the issuing bank or for regulatory or security reasons.
How to Withdraw
Go to Banking and tap "Transfer money".
Select "Withdraw funds" and choose ACH.
If you already have a linked account, you'll go directly to the summary with that account pre-selected.
Confirm with Face ID.
What you'll see before confirming
You withdraw: amount entered
Withdrawal fee: $5.99
You receive in your bank: amount − $5.99
👉 Your linked accounts will be saved for future use. You can manage them under Settings > Linked payment methods.
👉 You can track the status of any deposit or withdrawal from the transfers history.
Important Restrictions
Available only for bank accounts in the United States.
Does not apply to cash deposits.
Not available for users under 18 years of age.
ACH deposits and withdrawals may be subject to security reviews, identity verification, and transaction limits.
Hapi may reject, delay, reverse, or request additional information on any ACH transfer when necessary for operational, regulatory, or security reasons.
Funds available for withdrawal may differ from funds available for investing.
Need help?
You can contact the support team directly from the app.
👉 The support team does not provide investment, tax, or legal advice.
ACH transfers may be subject to return by the issuing bank even after being temporarily credited to your account.