Quote from ksonsinc:
When i did an ACH in my tdamer account It showed up the next day that mean i could buy stock which are marginiable but i canot trade option till the account clear,s from my account which take 3 business days
While a wire reaches the next hour or 2 and it,s like the money is physcial there
all depends on the policy of the firms you are dealing with. A wire requires the receiving firm to physical inspect the transaction, so the firm obviously feels secure about guaranteeing it. It is physically slower though.
iIdo not know about others, but for me, an ACH is always available to use the next day when I send it from IB to my bank. And it is free.