ACH, automatic clearing house, is one of the primary ways of moving money to/from bank accounts; and money should be in your account w/in 3 bds of initiating the transaction. Your money really isn't at ST until the third day even though they show it in your account, but it is restricted from trading. ST just does't want a penny stock on the books for money they don't have. I used to handle these as my main function at the BD I worked for. Hope this helps. HML!