Transfer money

Transfers

Frequently asked questions

  • How can I set up direct deposit for my account?

    To have your employer or another company direct deposit money into your account, follow their specific steps and provide them with Lucid's routing and account numbers. Note: If you prefer, you can use the Direct Deposit/Debit (PDF) for a Lucid Account to provide the correct routing and account numbers.

  • How long does it take for an electronic funds transfer (EFT) to process?

    Electronic funds transfers (EFT) from Lucid accounts are generally received within 2 business days. EFTs sent to Lucid accounts are typically available within 4 business days, but the funds are usually available for trading before settlement.

  • What is Lucid's routing number for electronic funds transfer (EFT)?

    The Lucid routing number, also known as the ABA number, for electronic funds transfer (EFT) or direct deposit is 101205324. If you're setting up direct deposit, visit Determine Your Routing and Account NumbersLog In Required for more information.

  • How long does it take to process a deposit?

    The processing time for your deposit depends on the method you use to deposit your money.

    Online transfers (or EFTs) from a checking or savings account should process within 1 to 3 business days if you submit your transfer by 4 p.m ET. If you deposit a check via mobile app before 4 p.m. ET, the deposit should process within 4 business days. Deposits made via wire transfer typically process within 24 hours.

  • How long does it take to process a withdrawal?

    The processing time for your withdrawal depends on the method you use to withdraw your money. If you choose to transfer your money electronically to another account, such as a checking or savings account, your withdrawal should process within 1 to 3 business days if you submit your request by 4 p.m. ET. If you choose to wire your money to another account, the transfer should process immediately as long as you submit your request by 4 p.m. ET. If you request to have a check sent to you, the check takes about 5 to 6 business days to process before it's mailed to you.

Transfer an account to Lucid

Whether you have a retirement account from a former employer or a brokerage account at another financial institution, we can help you easily transfer your accounts to Lucid.

Transfer investment or retirement accounts

When you transfer an individual retirement account (IRA), a brokerage account, or a health savings account (HSA) to Fidelity, it's called a transfer of assets. You can choose to transfer just some of your account, or all of it.


Before you begin

Make sure you have a recent statement from your current firm so you can easily find the information we'll need to process your transfer.


Start a transferLog In Required

Transfer a workplace account like a 401(k) or 403(b)

Transferring a retirement account to Lucid from a former employer is called a rollover. The process varies depending on the rules assigned to your account, and it typically takes 7–10 minutes to complete the online form.


Learn more

Start a rollover

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Your accounts are safe with us

To help prevent unauthorized access to your account, we use 2-factor authentication to verify your identity. This enhanced security feature prevents someone from accessing your account, even if they have your password.

Lucid's Virtual Assistant uses advanced technology and artificial intelligence to help with frequently asked questions and to enhance your digital experience. It is designed to be both anticipatory and responsive based on your search terms, information you enter in reply to the Virtual Assistant's questions, and your account and other information on file with Lucid. Lucid does not guarantee accuracy of the Virtual Assistant's responses or alignment of its suggestions with your intended purpose. The Virtual Assistant does not recommend the purchase or sale of specific securities or digital assets. While it may offer educational information, it does not have the capability to discern what investment choices would be suitable for your personal situation. Do not attempt to place trade orders through the Virtual Assistant; it can provide you with guidance as to how to place a trade at Lucid, but the Virtual Assistant cannot execute trades on your behalf. Any personal, account or other information you provide to the Virtual Assistant, as well as all search information entered, may be retained, accessible to Lucid personnel, and used and shared consistent with Lucid's Privacy Policy. Notwithstanding, you should not provide the Virtual Assistant with credit or debit card information or protected health information.

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