How to Initiate a Deposit
To transfer funds into Titan:
- Go to the Account tab
- Tap "Add capital"
- Choose the account you’d like to transfer from
- Enter the amount and submit
Once you’ve initiated your transfer, go to the Account tab > Settings > Transfers > History, to see your pending transfers and their respective execution dates in your Titan account.
When funding, please choose a Checking account if possible. Savings accounts often work too, but can sometimes run into ACH transfer issues with our authentication provider, Plaid, resulting in ACH transfer reversals.
How long does it take for my money to be invested in Titan?
Once you initiate a deposit, it typically takes 1 to 2 business days for the deposit to settle in the ACH banking system.
Once your deposit has settled, it typically takes 1 to 2 business days until the deposit is invested at Titan.
Cancel Pending Deposit
To cancel a pending deposit, please go to the mobile app's Account tab > Settings > Transfers > History, then click the pending deposit and press Cancel.
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. In the app, go 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. It depends on the user's personal financial situation.
If you'd like to make a deposit via wire transfer, please email email@example.com with your name, email address, and Account Number. We'll then provide wire instructions.
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