Moving money into or out of your Dappr Financial Account is straightforward, whether you are sending a next-day ACH payment or a same-day domestic wire. This article explains how each rail works inside the Dappr dashboard and mobile app, what information you must supply, how long transfers usually take, and the fees and risk reviews that can affect timing.

On desktop, open Financial Account in the left-hand menu and press the blue Send funds button. The mobile workflow mirrors the desktop: tap Send on the Finance tab, choose ACH or Wire, and follow the prompts. Dappr walks you through the form step by step, asks for the recipient’s details, and lets you schedule the transfer for today or any future business day.

For an ACH you enter the beneficiary’s name, account number, and routing number, plus an optional ten-character memo that may appear on the recipient’s statement. A wire requires those same fields and the beneficiary’s full address; many banks use a routing number that differs from their ACH routing number, so double-check before you submit. You may also add the recipient’s email address to send automatic progress updates.

ACH payments submitted before the 8:30 p.m. ET cut-off are batched that evening and typically post to the recipient’s account on the next business day. If you send a payment shortly after the deadline, it may still make the same processing window, but Dappr does not guarantee it. Transfers that trigger risk alerts—for example, amounts that are unusual for your account—pause for manual review and can take up to one extra business day.

Dappr does not impose formal dollar caps; instead, undisclosed risk thresholds determine when a manual review is required. If a transfer is scheduled for the future you can cancel it any time until the scheduled date. Same-day submissions leave a brief grace period of only a few minutes, so act fast if you change your mind. While a transfer is awaiting manual approval it remains cancelable until our team releases it to the network.

Credits sent to your routing and account numbers generally settle and become spendable the moment Fifth Third processes them. On rare occasions, suspicious items may be placed on hold or the entire account temporarily frozen to protect you from fraud. Your Dappr account can also be debited by third-party services (payroll providers, vendors, and so on) as long as they complete a Plaid or micro-deposit link. Pulls attempted without that handshake may be blocked, although this is not guaranteed.

Because a Dappr Financial Account cannot be overdrawn, any debit that arrives against insufficient funds is returned and a $20 non-sufficient-funds (NSF) fee is assessed. If both the payment and fee would push the balance negative, Dappr may charge the business’s backup payment method. In the extremely unlikely event a debit processes anyway and leaves a negative balance—usually the result of a banking error—you must replenish the account immediately; Dappr reserves the right to do so on your behalf from linked accounts and payment methods on file.

The ability to pull funds from an external bank into Dappr is enabled individually after you build a history of legitimate activity. All linked accounts must belong to the same business name and must be verified through Plaid; micro-deposit verification is not offered. If you need this feature, email [email protected] with details of your use case. Be aware that Dappr can disable external linking at any time and that initiating a pull with the intent to dispute it elsewhere is considered wire fraud.

Choose Wire instead of ACH in the Send Funds flow, supply the beneficiary’s address, and save the details for future use if you like. Domestic wires submitted before 5:00 p.m. ET usually arrive the same business day, but final posting depends on the receiving bank’s own cut-offs. As with ACH, any wire that trips risk controls pauses for manual review. There are no hard dollar limits, yet very large wires almost always receive extra scrutiny and may take longer.

A $15 fee is charged to your Financial Account the moment the wire is released and is non-refundable. Wire requests can be canceled until the business day on which they are scheduled to send; once the funds leave Fifth Third, the transfer is generally irreversible.

Domestic wires post as soon as Fifth Third credits them, usually the same day they arrive. Legal representatives and any user who has opted in to notifications get both an email and an in-app alert. Each incoming wire carries a $2 fee, which is deducted automatically.

All other transfer-related costs—such as NSF or reversal fees—are detailed in the master Fee Schedule.

If you realize you have keyed the wrong routing number or account, contact Support immediately via in-app chat or by emailing [email protected]. For outgoing payments, Dappr will open an ACH trace or send a wire recall request, but recovery is not guaranteed once funds leave the platform. You have roughly one business day to reverse an incoming ACH debit; after that, returns may still be possible but grow less likely as time passes, so prompt action is critical.

Dappr Financial Accounts cannot use Fifth Third’s SWIFT code for cross-border wires. Any attempt to send money internationally through your standard account and routing numbers will bounce back to the originator. A separate guide covers the limited situations in which you can accept funds from abroad.