How to initiate a deposit
To transfer funds into Titan, simply tap "Add funds" on the Home tab.
Alternatively, you can also tap "Add capital" on the Account tab.
Once you’ve initiated your transfer, you can track your pending transfers by heading to the Account tab > Settings > Transfers > History.
When funding, please choose a Checking account if possible. Savings accounts can work too, but can sometimes run into ACH transfer limitations (for example, exceeding monthly transfer limits) resulting in ACH transfer reversals.
How long does it take for my money to be invested in Titan?
Standard deposits typically take ~2-4 business days to become invested (approx. 1-2 business days for funds to complete transfer plus 1-2 business days for funds to settle and become invested).
As an alternative, we also currently offer Instant Deposits free of charge to all clients - see below.
What is an Instant Deposit?
Instant Deposits allow you to get invested in Titan within hours (or even minutes) of initiating a transfer to Titan.
We currently are offering Instant Deposits free of charge to all clients.
To make an Instant Deposit, simply initiate a transfer to Titan, making sure to toggle on the "Instant Deposit" switch on the transfer entry page.
To learn more about Instant Deposits, please see this article.
Tracking deposit status
To track the status of your deposit, simply head to the Account tab > Settings > Transfers > Balance.
Your deposit status will also be trackable on the Home tab until it has completed processing.
To cancel a pending deposit, please go to the mobile app's Account tab > Settings > Transfers > History, then tap the pending deposit and press "Cancel Investment".
Please keep in mind that once you submit a transfer to Titan, your deposit may be processed fairly quickly by our third-party brokerage service provider. Under that circumstance, we may not be able to cancel your deposit before it is completed. However, we will work with you to have your deposit transferred back to your bank account after the mandatory 5 business day anti-money laundering (AML) holding period.
An ACH reversal is a cancelled transfer of funds. ACH reversals may occur under the following conditions: insufficient funds, wrong type of account (non-ACH transactional), duplicate transaction, or a declined transfer.
When reversed, funds will be placed back in the originating account and your Titan account will be charged a $30 fee. Reversal fees are charged by Titan’s clearing partner APEX, therefore Titan is not authorized to waive fees after they have been charged to your account.
One of Titan's support staff will reach out to you via email to notify you of the ACH reversal. Inquiries related to ACH reversal should first be directed to your bank.
To prevent any future reversals, we recommend doing the following before initiating transfers to Titan:
- Verifying that you have sufficient available funds for 1-2 business days following your transfer request in the app, as the request might be delayed reaching your bank
- Confirming that your bank account is enabled for standard outgoing ACH transfers, and that you’ve entered in the correct information when linking the account
- Limiting transfers from savings accounts, as they might not be ACH transactional or limited to 6 transactions per month (including any small amounts transferred when linking a bank account manually)
Titan allows automatic deposits for users that want to contribute regularly to their Titan accounts.
To see your automatic deposits, head to the Account tab > Settings > Transfers > Automatic Deposits.
We currently support weekly, bi-weekly, monthly and custom deposits of at least $10.
We recommend users contribute regularly to their Titan accounts as a general investing best practice. Automatic deposits is an easy way to do so. However, we don't have a specific recommended frequency/amount for automatic deposits, as it depends highly on personal financial situations.
If you'd like to make a deposit via wire transfer, please email firstname.lastname@example.org with your name, email address, and account number. We'll then provide wire instructions.
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