The basic process: connect your bank, request a withdrawal, wait for the transfer
To withdraw money from Underdog (the sports betting and fantasy sports platform), you log into your account, go to the cashier or withdrawal section, select your linked bank account, enter the amount you want to move, and confirm the request. Underdog then sends the money to your bank using ACH transfer, which typically takes one to three business days to arrive. You cannot withdraw to a debit card, PayPal, or any payment method other than a bank account you have already connected to your Underdog profile.
The first time you withdraw, you must link a bank account. Underdog asks for your routing number and account number—the same information you would give to set up direct deposit at a job. The platform verifies the account by depositing two small amounts (usually under a dollar each) into your bank, then asks you to confirm those amounts in your Underdog settings. This verification step protects both you and Underdog from fraud and typically takes one to two business days.
Key Takeaways
- You must link a real bank account to Underdog before you can withdraw any money, and the platform verifies it by depositing two small test amounts.
- Withdrawals move through ACH transfer and take one to three business days to show up in your bank account after you request them.
- Underdog may hold your withdrawal for review if the amount is large, if your account is new, or if the request looks unusual to their fraud system.
- If money does not arrive after three business days, contact your bank first to confirm they received the transfer, then contact Underdog support with your transaction ID.
Linking your bank account for the first time
Open Underdog, go to your account settings or the cashier section (the exact location varies by whether you are using the app or website), and select "Link Bank Account" or "Add Payment Method." You will be asked to enter your full name, the name of your bank, your routing number, and your account number. Your name on the Underdog account must match the name on the bank account—if it does not, the verification will fail and you will need to update one or the other.
After you submit this information, Underdog deposits two small amounts into your account, usually between 1 and 99 cents each. These deposits appear in your bank account within one to two business days. Once they land, go back to Underdog, find the verification prompt, and enter the exact amounts of both deposits. If you enter them correctly, your account is verified and you can withdraw immediately. If you enter them wrong, you can try again, but Underdog may ask you to wait 24 hours before the next attempt.
If you cannot find the two test deposits in your bank account after two business days, check that you entered your routing and account numbers correctly. A single wrong digit will send the money to the wrong account. Contact your bank to confirm they have no pending deposits under your name, then return to Underdog and re-enter your account information.
Requesting a withdrawal and how long it takes
Once your bank account is verified, go to the cashier or withdrawal section of Underdog and select the linked account. Enter the amount you want to withdraw—Underdog will show you any minimum or maximum limits that apply. Most platforms allow withdrawals as small as $1 and as large as your account balance, but some set higher minimums (such as $10 or $25). Review the amount, confirm the request, and Underdog will process it.
The withdrawal then enters the ACH system, which is the network that moves money between banks. ACH transfers take one to three business days, meaning the money will land in your account sometime between the next business day and three business days after you request it. Weekends and bank holidays do not count as business days. If you request a withdrawal on Friday afternoon, it may not arrive until Wednesday or Thursday of the following week.
Underdog will send you a confirmation email with a transaction ID as soon as you request the withdrawal. Save this ID—you will need it if the money does not arrive or if you need to contact support. The confirmation email will also tell you the exact amount being transferred and the last four digits of the bank account it is going to.
When Underdog holds or delays your withdrawal
Underdog's fraud system may flag your withdrawal for manual review if the amount is unusually large for your account, if your account is brand new, if you are withdrawing most or all of your balance, or if the request comes from a different location than your usual login. When this happens, Underdog will send you an email saying your withdrawal is under review and will process it within 24 to 48 hours if everything checks out. You cannot cancel a withdrawal that is under review—you have to wait for Underdog to approve or deny it.
Underdog may also delay or deny a withdrawal if they suspect the account has been compromised, if there is a dispute over a bet or bonus, or if you have violated their terms of service. If your withdrawal is denied, Underdog will email you the reason. Common reasons include a recent password change, a bonus that has not yet been played through, or a flagged transaction that needs verification.
What to do if your withdrawal does not arrive
If three business days have passed since you requested the withdrawal and the money has not appeared in your bank account, start by checking your bank's transaction history. Log into your bank's website or app and search for recent deposits. Look for a deposit from "Underdog" or the name of Underdog's payment processor (which may be different from "Underdog" itself). If you see a pending deposit, it will arrive within one business day. If you see a completed deposit that matches the amount you withdrew, the transfer succeeded and you have your money.
If you do not see the deposit at all, contact your bank's customer service line. Give them the transaction ID from Underdog's confirmation email and ask them to search their incoming ACH transfers for that ID. Your bank can tell you whether they received the transfer, whether it is still pending, or whether it was rejected. If your bank rejected the transfer, they will tell you why—common reasons include a closed account, a frozen account, or a mismatch between the account number and account holder name.
If your bank confirms they received the transfer and it shows as completed, but you still do not see the money, ask your bank to investigate further. Sometimes a deposit lands in a different account by mistake, especially if you have multiple accounts at the same bank. If your bank cannot find the money after investigating, contact Underdog support with your transaction ID and ask them to trace the transfer. Underdog can see on their end whether the ACH was sent successfully and can work with your bank to locate the money.
Fees and limits on Underdog withdrawals
Underdog does not charge a fee to withdraw money to your bank account. The ACH transfer itself is free—your bank may charge you a fee if you have exceeded your monthly transfer limit, but Underdog does not take a cut. Some banks limit the number of free ACH transfers you can make per month (often six), so if you withdraw frequently, check your bank's policy to avoid overdraft or transfer fees.
Underdog does set limits on how much you can withdraw at once and how much you can withdraw per day or per month. These limits vary by account age, account history, and whether you have verified your identity with additional documents. New accounts typically have lower limits—you might be able to withdraw only $500 per day at first. As your account ages and you build a history, these limits usually increase. If you hit a withdrawal limit, you can request another withdrawal the next day or contact Underdog support to ask about raising your limit.
Frequently Asked Questions
Can I withdraw to a different bank account than the one I linked?
No. Underdog only allows withdrawals to the bank account you have already verified. If you want to withdraw to a different account, you must link that account first and complete the verification process with the two test deposits. You cannot withdraw to someone else's bank account.
What if I entered my bank account number wrong when I linked it?
If the verification deposits went to the wrong account, you will not see them in your bank account and the verification will fail. Go back to your Underdog settings, delete the linked account, and add it again with the correct routing and account numbers. The test deposits that went to the wrong account will stay there—contact that bank if you want to recover them, but Underdog cannot redirect them.
How do I know if my withdrawal was actually sent?
Check your email for the confirmation message Underdog sends when you request a withdrawal. That email includes a transaction ID and the exact amount. You can also log into your Underdog account and look at your transaction history or account statements—most platforms show pending and completed withdrawals there. If you do not see a confirmation email, the withdrawal may not have gone through; try requesting it again.
Can I cancel a withdrawal after I request it?
If your withdrawal is still pending (not yet sent to the ACH system), you may be able to cancel it through your Underdog account settings. If it has already entered the ACH system, you cannot cancel it—you have to wait for it to arrive and then transfer the money back if needed. Contact Underdog support immediately if you need to cancel; they can tell you whether it is still cancellable.
Why is my withdrawal taking longer than three business days?
ACH transfers normally take one to three business days, but delays can happen if your bank is processing a high volume of transfers, if there is a holiday, or if Underdog's payment processor is experiencing technical issues. Contact your bank first to confirm they have not received the transfer, then contact Underdog support with your transaction ID if your bank has no record of it.