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Why wait? Your money available any time.

Virginia Raike

All of your money, available any time. No waiting for that cheddar to age. With Tellus, your money is free to move as soon as your deposit is processed. Liquid like fine wine.

Questions on how it works? Check out some common questions below.

When can I withdraw my money?
We have recently removed our 60-day aging policy for ACH transfers. That means that you are now free to make withdrawals as soon as your deposits have successfully been processed. This may take as many as 7 business days, although in many cases, your deposit could process as quickly as a day or two.

Is the aging removed on my previous transfers?
Unfortunately not. Any ACH deposits made prior to 2/3/2022 are still subject to the 60-day aging terms. Deposits that are successfully processed after 2/3/2022 will be 100% liquid.

Why was aging necessary at all?
ACH deposits previously required aging to protect Tellus and its members, you, against ACH fraud. By adding this ACH fraud protection to our risk management processes, members can now move their deposits freely while still earning daily interest.

What is Riskified?
Riskified is a fraud and chargeback-prevention technology partner who helps us offer 100% liquidity on your ACH deposits.

Does Riskified or Tellus insure my funds?
Tellus is not a bank, Tellus is not FDIC-insured. We are backed by durable residential real estate. Riskified is not an insurance product for depositor funds. They help protect us - and you - from fraud when sending funds to Tellus. You can learn more about the services they provide, here: https://www.riskified.com/

Are deposits protected?
Safeguarding your capital and data are top priority at Tellus. Member interest payments are protected by an ample cash buffer. If only for illustrative purposes, our ratio of available cash to deposit interest liabilities (the money we owe our members) is well in excess of the reserve requirements of many US commercial banks (Tellus is not a bank itself). We further strengthen our balance sheet by holding onto high quality collateral to help us manage our financial obligations. Real estate assets and digital income products — much like stocks, bonds, and other securities — are not covered by federal deposit insurance.

We’re working to make Tellus the best place to save your money, so let us know what you’d like to see next.

Not a Tellus member? Use code TWENTY and get a $20 deposit bonus on us when your account reaches a balance of $200 or more.