How to Send an ACH Transfer to a Connected External Bank Account?

You can transfer funds from your Baselane Checking account to either a connected external bank account or a manually added external bank account. This article outlines how to send an outbound ACH transfer and what to expect when moving money between accounts.

In this article, we will cover

• Requirements for ACH Transfers

• How to Send an ACH Transfer

• Processing Times & Cutoff Times

• Tracking Your Transfer

• Frequently Asked Questions

Requirements for ACH Transfers

You can send ACH transfers from any Baselane Checking account to two types of external accounts:

• A connected external bank account (connected via Plaid)

• A manually added external bank account (added using routing and account numbers)

However, only connected external accounts can be used to fund your Baselane account. A manually added external account cannot transfer money into Baselane; it can only receive transfers from Baselane. 

All outbound ACH transfers must be sent from a Baselane Checking account to an external account. Savings accounts cannot send or receive ACH transfers.

ACH Transfer Limits

ACH withdrawal (outgoing) limits depend on your checking tier:

To learn more about all deposit and withdrawal limits, please click here.

How to Send an ACH Transfer

1. Head to the Baselane Banking tab or Transfers & payments.

2. Select Move Money → Transfer Funds.

3. Enter your transfer details:

   • Choose the Baselane Checking account to transfer from.

   • Choose the connected external bank account to transfer to.

   • Enter the transfer amount.

   • Select Next.

4. You can choose whether this will be a one-time transfer or a recurring transfer.

   • You can learn more about one-time and recurring transfers here.

5. Add bookkeeping details:

   • The category will automatically be set to Transfer between accounts, but you may change it if needed.

   • Assign a property (optional)

   • Add notes.

   • Select Next.

6. Review the transfer details and select Transfer.

7. ACH transfers typically take three business days to complete.

Processing Times & Cutoff Times

• Baselane’s ACH cutoff time is 3:00 PM ET.

• Transfers initiated after 3:00 PM ET, on weekends, or on federal holidays will begin processing on the next business day.

• Transfers display as Processing until they complete.

Tracking Your Transfer

You can track the status of your ACH transfer in the Transfers & Payments tab under Activity:

The status will update as the transfer processes. If there is an issue with the transfer, it will be reflected in the Status section, and you will also receive an email notification with the reason listed. 

Frequently Asked Questions

Can I send ACH transfers from my Savings account?
No. Savings accounts cannot send or receive transfers to external banks. Only Baselane Checking accounts support ACH transfers.

How long do ACH transfers take?
Transfers typically complete within three business days, depending on bank processing times.

Is there a fee to send an ACH transfer?
No. Baselane does not charge a fee to send outbound ACH transfers.

Can I cancel an ACH transfer after submitting it?
If the transfer is still in Processing status, please contact our Support team as soon as possible. We can review the request and determine whether the transfer can be canceled.