An ACH return is a credit or debit entry initiated by the Receiving Depository Financial Institution
(RDFI) that returns a previously originated payment to the Originating Depository Financial
When you initiate a Bank (ACH) Transfer on BlockFi, it takes approximately five business days
for your financial institution to confirm that funds are available to leave your bank account.
BlockFi has rolled out Instant ACH which makes funds available in your BlockFi Wallet to trade
immediately while your funds are sent to us during that 5 business day settlement period.
If there is an ACH return, meaning the ACH transfer to us failed (Return Codes), we pull our funds back and reverse any trades you may have conducted
with the ACH deposited funds that have since been returned, as noted in our terms of service
(BlockFi Terms of Service). If this happens to you, your account could temporarily be locked for
approximately 3-5 business days while the return is being reviewed by the appropriate teams for