How do I deposit or withdraw money?

You can make deposits or withdrawals directly through your Personal Capital Dashboard. 

  1. Navigate to the “Manage Account” dropdown
  2. Select “Account Details” then “Transfer Funds”
  3. Select your Receiving account from the “To” menu
  4. Select your Sending account from the “From” menu. Note that you cannot transfer funds from an account that is currently in error (indicated with a red or yellow dot)
  5. Enter the amount to transfer. Make sure you have sufficient funds to transfer from your sending account!
  6. Review your selected accounts and the amount to be transferred before checking the authorization box
  7. Click Continue

Once you deposit funds there is a 3 day hold before you can withdraw the funds from your Personal Capital Cash account back into your bank accounts.

We also support outgoing wire transfers in excess of $10,000 Monday through Friday (except Federal Holidays) from 9:30AM-2:30PM Pacific Time by calling 833-569-6730. We don't charge for wires but your receiving institution may.

For wire deposits the following information will be helpful:

Bank Name: UMB Bank

UMB Routing Number: 101000695

Account Number: Your Cash Program Number

Bank Address: UMB Bank, 1010 Grand Blvd, Kansas City, MO 64106


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