Transfer money into your retirement and non-retirement accounts.
Transfers submitted before 6pm ET/3pm PT will begin processing the same day. Those submitted after 6pm ET/3pm PT will begin processing the next business day. Transfers can take up to 3 days to settle excluding weekends and federal holidays.
From here, you can securely deposit funds from internal and external bank accounts into your retirement, non-retirement, and brokerage accounts. If you need to transfer money into a different type of account, please contact your financial professional.
Sending money to non-retirement brokerage accounts is considered a money transfer. Sending money into a retirement account is considered a contribution. Be sure to understand the IRS contribution limits.
Beginning in 2024, when you have earned income, the IRA contribution limit is $7,000 ($8,000 for individuals age 50 or older). If you have more than one IRA, the total contribution to all your IRAs cannot exceed the annual limit. Refer to the IRS contribution guidelines for more information.
Review instructions carefully. By acknowledging and submitting these instructions, I authorize LPL Financial to transfer my money as indicated above.
| Status | Accounts | Details | ||||
|---|---|---|---|---|---|---|
| Date Submitted | Status | To | From | Transfer Type | Amount ($) | Request ID |
| 08/15/2024 | Completed | Emily's Retirement Account 🔒 ····0227 | Claude's BofA Checking 🔒 ····1234 | Contribution | $500.00 | 987654 |
| 08/10/2024 | Pending | Jordin's Non-Retirement Account 🔒 ····9876 | LDC Checking Account 🔒 ····5678 | Transfer | $1,000.00 | 987653 |
| 08/01/2024 | Completed | Emily's Non-Retirement Account 🔒 ····0227 | Claude's BofA Checking 🔒 ····1234 | Contribution | $250.00 | 987652 |
| 07/22/2024 | Returned | Claude's BofA Checking 🔒 ····1234 | Emily's Non-Retirement Account 🔒 ····0227 | Withdrawal | $300.00 | 987651 |
| 07/15/2024 | Completed | Emily's Retirement Account 🔒 ····0227 | LDC Joint Checking Account 🔒 ····7890 | Contribution | $750.00 | 987650 |
| 07/01/2024 | Cancelled | Jordin's Non-Retirement Account 🔒 ····9876 | Claude's BofA Checking 🔒 ····1234 | Transfer | $100.00 | 987649 |
| 06/20/2024 | Completed | LDC Checking Account 🔒 ····5678 | Emily's Retirement Account 🔒 ····0227 | Withdrawal | $200.00 | 987648 |
| 06/10/2024 | Pending | Emily's Non-Retirement Account 🔒 ····0227 | LDC Checking Account 🔒 ····5678 | Contribution | $50.00 | 987647 |
| 05/28/2024 | Returned | Claude's BofA Checking 🔒 ····1234 | Jordin's Non-Retirement Account 🔒 ····9876 | Withdrawal | $400.00 | 987646 |
| 05/01/2024 | Completed | Emily's Retirement Account 🔒 ····0227 | Claude's BofA Checking 🔒 ····1234 | Contribution | $600.00 | 987645 |
Real API contracts from LPL-Development/investor-ach-api (.NET Core, MediatR/CQRS) and InvestorCashManagementAPICore. Use these mock payloads for integration testing, Postman collections, and frontend development.
Submit an ACH contribution from an external bank into a non-retirement or retirement brokerage account.
Withdraw funds from a brokerage account to an external bank account. Validates available cash.
IRA/Roth/SEP contribution with IRS limits awareness. Includes contributionReason and IsDocRequired.
Retrieve all ACH instructions (bank links) for accounts. Returns ABA routing, bank details.
Cancel a pending ACH request before processing. Returns cancellation confirmation.
Fetch LPL accounts with balances, IRA types, account classes from CashManagement API.
Submit an ACH contribution request. Queued for processing, returns cmRequestId for tracking.
Search all ACH instructions linked to accounts. Returns bank details, ABA routing, account holders. Used to populate FROM dropdown.
Cancel a pending ACH request before processing. Only queued (unprocessed) requests can be canceled.
Trigger processing of all pending ACH requests for a client. Returns a processing tag GUID.
Retrieve all LPL accounts with balances, IRA type codes, available funds, managed account flags, and linked ACH instructions. Headers: apiStatus, tenantId.
Retrieve transaction history for account IDs. Populates the Transfer Activity tab. Headers: clientid or lplClientId.