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Automated Clearing House (ACH)
ACH is a fast, free way to electronically deposit funds into your Choic****** account directly from your checking or savings bank account.
To use ACH, your account must be enabled for ACH cash transfer. Please click here for guidance on how to set up an ACH relationship.
ACH Funds Transfer
To set up ACH transfer capability to transfer funds directly from your checking, or savings, account. This is the most convenient way to manage funds transferred in, or out, of your Choic****** account. To use ACH, you will first need to set up an ACH Relationship. Step-by-step instructions are included below. Once your ACH Relationship is active, you may simply log in to your account and select >Account< and then >Funds Transfer< and send funds in or out without a fee. Initialization may take five business days. You may avoid this waiting period by printing a copy of your online bank account showing the debit in your bank account and emailing or faxing this to us.
If you wish to set up an ACH Relationship please log into your Choic****** account and click on the Accounting tab. The screen will prompt you for personal information, please enter the requested information correctly. (You will be asked to enter this information only once, not each time you want to send an ACH. You may also sign up for electronic confirms and statements during this process). Once you have entered this information, please click on Tools and then click on the ACH Relationship link. There will be a box where you will need to enter your Choic****** account number (beginning with 276) and then click REQUEST NEW. After you do this, the screen will ask for your bank information, account number and account nickname (you can choose anything you want: checking, savings, etc.) After the information is filled out completely, please click Submit, which will begin the ACH Relationship process.
The next step is to check your bank account online after two to three days for two small penny-sized deposits from our clearing firm. Please note the exact amounts you see in your bank account and log back in to Choic******, click on Accounting/Tools/ACH Relationship -- you will see the box for your account number. After entering your account number click REFRESH VIEW. You will now see your name, account number, bank nickname etc. Please click on the green checkmark. You will see two fields to enter the two deposit amounts that our clearing firm made to your bank account. Please enter these amounts (for example, if one deposit is two cents and the other is five cents, please enter .02 and .05 in the two fields). Then click Submit to activate your ACH Relationship.
Once your relationship is active you must log out. Then log back in to your Choic****** account, click on Account/Funds Transfer and follow the instructions.
There is a five business day hold on your first ACH deposit.
Once you have set up an ACH relationship, to submit an ACH deposit request online, click here.
Automated Customer Account Transfer (ACAT)
You can use an ACAT to transfer an entire account or partial account (including cash and securities) from another broker to your Choic****** account by completing an ACAT Form. You must include a copy of your most recent monthly statement from the transferring broker.
DTC Transfer
DTC is a method of transferring fully paid-for positions from your account at another broker to Choic******. DTC transfers cannot be used if you are competely liquidating and closing your other account and typically take 2-3 business days to complete. Choic******'s incoming DTC number is 0234PFSI.
