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Account Funding

How can I withdraw funds from my cash balance?

Hardware Wallet Integration Icon

Overview

You can hold both cash (U.S. dollars) and bitcoin in your River account. This guide will walk you through the steps of withdrawing cash from your cash balance. If you are looking to withdraw bitcoin to your own wallet, you can follow our guide on that topic here.

You can withdraw your cash balance via a Bank (ACH) Transfer or a Wire Transfer. This guide will walk you through the process of withdrawing your cash balance using both Bank (ACH) Transfer as well as receiving a wire transfer from River.

Note: Not all of your cash balance may be available for withdrawal. Cash will typically be available for withdrawal 6-12 business days after the initial deposit.

Link a Bank Account

Before initiating an ACH deposit to River, you will need to link a bank account. You can follow our full guide on how to link a bank account here.


You can withdraw funds from your cash balance via the web or via our iOS mobile app. For mobile app instructions, click here.

Web

Withdrawing Funds via Bank (ACH) Transfer

1. First, log in.

2. From your home screen, you can click “Transfer” in the navigation bar at the top of your screen.

River Financial Overview Page

3. On the transfer page, you will have the choice to transfer cash or bitcoin. Select “Transfer Cash” and click “Next”.

River Financial Transfer Page

4. Next, you will have the choice to deposit or withdraw cash from your account. Select “Withdraw from River Account” and click “Next”.

River Financial Transfer Page

5. Next, you will be asked to choose your payment method. To initiate an ACH transfer, select “Bank Transfer (ACH)” and click “Next”.

River Financial Initiate Bank (ACH) Transfer

6. On the next page, you will choose the River account from which you will withdraw your cash balance, the bank account to which the cash will be transferred, and the amount of cash to be transferred. When you have entered this information, click “Next”.

River Financial Initiate Bank (ACH) Transfer

Note: Not all of your cash balance may be available for withdrawal. Cash will typically be available for withdrawal 6-12 business days after the initial deposit.

7. Finally, you will have a chance to review the details of your withdrawal. After you have checked that the information is correct, click “Confirm”.

River Financial Transfer Page

8. You should see the following confirmation screen once your deposit has been initiated, and the funds will be deposited to your bank account within 2-4 days.

River Financial ACH Confirmation Page

iOS App

Withdrawing Funds via Bank (ACH) Transfer

1. Navigate to the River Financial app. Select the gold icon at the bottom of the homepage.

River Financial iOS App Homepage

2. Select “Transfer Cash.”

River Financial Transfer Page

3. Select “Withdraw Cash.”

River Financial Transfer Page

4. Please select “Bank Transfer (ACH).” Wire transfers are not yet available on the mobile app but will be coming soon!

River Financial Transfer Page />
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      5. Enter the amount of cash you would like to withdraw from your River
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6. Review the preview of your withdrawal and make sure that everything looks good. Once reviewed, hit the “Initiate Withdrawal” button to process the transfer.

River Financial Initiate Bank (ACH) Transfer

7. Once completed, you will see the following screen confirming your transfer. Your changes will now be reflected on your River account.

River Financial Transfer Confirmation