ACH funds will arrive in your bank account within two to five business days. Processing and clearing times vary widely from bank to bank. Bank holidays can also delay your funds.


Direct to U.S. Bank / ACH direct deposits are available to any freelancer with a U.S. bank account. Direct deposit is usually FREE for all who qualify. Upwork doesn't charge fees for ACH transfers. For information on adding ACH as a payment method, click here.


You must be listed as an account holder or authorized signer on the bank account. The name on your bank account must match your verified name on Upwork. If your name doesn't match, click here to learn how you can fix it.

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