---
title: Making a Deposit
group: Deposits & Withdrawals
subtitle: Fund your account by linking a U.S. bank account via ACH.
description: ACH deposit limits, settlement timeline, instant buying power rules, and notes for Light Horse Securities. 
---

# Making a Deposit

First you need to connect your bank account to Light Horse. Lighthorse verifies the identity by making sure that the bank account and the brokerage account at Light Horse are **in the same name**. Please make sure that there are sufficient funds in your bank account before submitting a deposit. There is a **$30 return fee** if a transaction is returned by your bank.

When you submit a deposit, you can start trading immediately with the instant buying power granted to your account, but you can not withdraw the deposited funds until the deposit settles. It typically takes 5 business days.

The daily maximum deposit is **$50,000**. For larger transfers or transfers coming from a foreign bank, consider a [wire transfer](/instructions/funding/wires) instead.

## Instant Buying Power

The amount available for instant trading is limited. You receive up to **50% of your total assets** minus any unsettled cash — or the deposit amount, whichever is lower. If this is your first deposit, you receive up to **$1,000**.