Domestic Customers

Accounts can be opened and approved almost instantly or in one-day, as long as there aren't any issues with any of the information provided in your application. If there are issues, then our accounts team will promptly reach out and let you know what is needed to properly process your application.


Some issues that can cause a domestic account to be delayed include:

  • Voluntary credit freezes that prevent our system from verifying your information.
  • Misaligned personal information
  • Additional address verification
  • Misaligned Social Security Number or Tax ID
  • Additional screening for fraud victims
  • Additional information needed for non-permanent residents
  • Professional designation


International Customers

Although we're in the 21st century, international accounts include a manual review process. That said, international accounts can take up to 3-5 business days to approve and open.


Some issues that can cause an international account to be delayed include:

  • Misaligned personal information
  • Incomplete Tax ID or National ID (an ID# issued by your country's government)
  • Issues with uploaded documents
  • Uploaded proof of address  is over a year old
  • Incomplete signature