I recently made a purchase of stock and made a good gain on it. However, i need the funds to make a purchase ASAP. Is it possible to withdraw the money from my cash-only brokerage account into my checking account without violating and settlement, T+3 regulations?

  • Did you sell the stock? Unless you have other funds in your trading account you cannot withdraw any funds until the funds are settled and available in your account.
    – Victor
    Jun 12, 2014 at 23:45
  • Yeah i sold the stock Jun 13, 2014 at 0:08

1 Answer 1


Yes, via a margin account, one can trade or transfer on unsettled funds.

These are tight regulations that begin with the Federal Reserve, extend to FINRA, and downward.

In a cash account, this is not possible.

Since speed is a necessity, a margin account can actually be approved nearly instantly.

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