# Kraken Launches Recurring ACH Deposits for US Customers Automated funding feature allows users to schedule regular transfers from linked bank accounts. - **Source:** [Kraken Blog](https://brifing.si/source/d5b3c3d8-9f4f-4485-9bd1-50ba4c5fe7ae) - **Published:** 2026-11-10 - **Topic:** [Finance](https://brifing.si/c/finance) - **Original article:** - **On Brifing:** https://brifing.si/s/d384e093-8ac0-4762-80a3-7a7a4493ca0b ## Automated Funding Mechanism Kraken has introduced recurring ACH deposits, enabling users to automate transfers from linked bank accounts into their platform balance. This feature removes the need for manual intervention, allowing customers to set a fixed amount to be moved daily, weekly, bi-weekly, or monthly. It is currently available for US-based clients excluding Maine and New York. ## Integration and Accessibility The service utilizes Plaid to facilitate secure connections between external bank accounts and the Kraken platform. Users can manage their recurring schedules through both web and mobile interfaces. To initiate a setup, customers must select their preferred frequency, start date, and the specific amount they wish to transfer from their linked financial institution. ## Investment and Withdrawal Rules Once a deposit arrives in the account, the funds become immediately available for investment purposes. However, users must wait seven days before they can withdraw these funds from the platform. This liquidity structure balances the need for immediate trading capability with standard security protocols regarding electronic fund transfers and potential transaction reversal risks. ## User Control Features Despite the automated nature of the deposits, users retain full control over their schedules. The platform allows customers to pause, edit, resume, or cancel their standing instructions at any time. To stop an upcoming deposit, users must submit a cancellation at least three business days before the scheduled transfer date to ensure processing. ## Notification and Monitoring Kraken provides transparency by sending email and push notifications whenever a deposit succeeds or fails. Additionally, users receive alerts if any changes are made to their existing schedules. The platform dashboard displays the next scheduled deposit date, the total amount deposited to date, and a history of recent transactions for easy financial tracking. ## Operational Constraints The feature is strictly limited to US customers using USD and requires a bank account linked via Plaid. If a previously linked account has expired, users must reconnect it before setting up a new recurring schedule. The deposit amount remains fixed once the schedule is created, requiring manual edits to change the recurring value. ## Regulatory and Legal Context The service operates under specific electronic fund transfer disclosures provided by the company. By choosing to use recurring deposits, clients provide standing authorization for the platform to debit their linked bank accounts on the selected schedule. Customers are encouraged to review the full legal documentation regarding EFT disclosures available on the official website. ## Strategic Utility This development addresses common user feedback regarding the friction of manual funding. By aligning deposits with paydays or personal budget cycles, the platform aims to increase user engagement and capital availability. This shift toward automation reflects broader trends in fintech where platforms prioritize reducing manual administrative tasks to improve overall user retention. ## Sources covering this story - https://blog.kraken.com/product/new-features/recurring-ach-deposits — --- _Summary written by Brifing from the original reporting. Copyright in the original article belongs to its publisher; read the full piece at the link above._