The 3 Ways to Fund your iTrustCapital IRA

Summary

There are 3 ways to fund an iTrustCapital IRA: (1) Transfer an existing IRA (Traditional, Roth, SEP, SIMPLE, Inherited), (2) Rollover an employer-sponsored plan (401k, 403b, TSP, 457), or (3) Contribute new funds in USD via ACH or wire transfer.

Funding Your iTrustCapital Crypto IRA

There are 3 ways to fund an IRA. Depending on your situation, you can fund it one or possibly multiple ways.

Funding Methods Comparison

Funding Method	Eligible Account Types	Typical Timeline	Key Requirements
IRA Transfer	Traditional, Roth, SEP, SIMPLE, Inherited, Rollover IRAs	1–2 weeks	Signed transfer forms, current custodian cooperation
Employer Plan Rollover	401k, 403b, TSP, 457, some pensions	2–4 weeks	Contact plan administrator, funding instructions
Cash Contribution	New USD funds	Instant ACHs 1–3 days for wires	Bank account for ACH or wire transfer

1) Transfer an Existing IRA

An IRA transfer is the direct movement of funds from one IRA to another without triggering taxes or penalties.

IRA examples: Traditional, Roth, SEP, SIMPLE, Inherited, Rollover
Existing IRAs can be transferred to a new IRA without creating a taxable event or penalty.
If you already have a Bitcoin/Crypto IRA through a different provider, you can likely do an In-Kind Transfer. This allows you to transfer cryptocurrency wallet to wallet without liquidating your assets.

Transfer Process

Establish your iTrustCapital IRA. Complete your account application and verification.
Select IRA Transfer as the funding method, and follow the prompts to submit your funding request.
Review our email with transfer instructions. Our team may require additional actions to process your request.
We forward documents to your current custodian and will notify you to follow up as needed. We will add the 'letter of acceptance' and wire instructions before forwarding.
Funds arrive in your account. The transfer process usually takes 1–2 weeks from start to finish.

2) Rollover an Employer Plan

An IRA rollover is the process of moving funds from an employer-sponsored retirement plan into an IRA.

Plan examples: 401k, 403b, TSP, 457, some pensions
Plans from previous employers CAN be rolled-over into an IRA.
Plans from current employers MAY be able to be rolled-over into an IRA.

Rollover Process

Establish your iTrustCapital IRA. Complete your account application and verification.
Select Employer Plan Rollover as the funding method, and follow the prompts to submit your funding request.
Receive funding instructions via email. Our processing team will provide documentation with check and wire instructions.
Contact your plan administrator. Instruct them to rollover your funds to your new IRA using the provided funding instructions.
Funds arrive in your account. The rollover process usually takes 2–4 weeks due to employer plans typically only being willing to send physical checks.

3) Contribution of New Funds

A cash contribution is the process of adding new money directly to your IRA from your personal bank account.

A contribution can only be made in USD per IRS rules.
2026 Contribution limits:
- $7,500 if you are under 50 yrs old
- $8,600 if you are over 50 yrs old

Contribution Process

Establish your iTrustCapital IRA. Complete your account application and verification.
Select Cash Contribution as the funding method, and follow the prompts to submit your funding request.
ACH deposit funds will be available instantly, prior to full settlement (1–5 business days).
For bank wires, we will email you the wire instructions, which you can provide to your bank to send the wire. Funds will be available in 1–3 business days.

Roth IRA Contribution Guidelines for 2026

Filing status	Full contribution MAGI limit	Phase-out range	Maximum contribution
Filing single	Under $153,000	$153,000 – $168,000	$7,500 (under 50) $8,600 (age 50+) Reduced contribution above $153k; $0 at $168k+
Married filing jointly	Under $242,000	$242,000 – $252,000	$7,500 (under 50) $8,600 (age 50+) Reduced contribution above $242k; $0 at $252k+
Married filing separately	Under $10,000	$0 – $10,000	$7,500 (under 50) $8,600 (age 50+) Phase-out begins immediately at $0; $0 at $10k+

If eligible, both you and your spouse can open your own Roth IRAs and make the maximum contribution.

Roth IRA Contribution Guidelines for Previous Years (2022–2025)

2025:

Filing Single: MAGI under $150,000
Married Filing Jointly: MAGI under $236,000

2024:

Filing Single: MAGI under $146,000
Married Filing Jointly: MAGI under $230,000

2023:

Filing Single: MAGI under $138,000
Married Filing Jointly: MAGI under $218,000

2022:

Filing Single: MAGI under $129,000
Married Filing Jointly: MAGI under $204,000

Key Takeaways

IRA Transfer: Move funds from an existing IRA (Traditional, Roth, SEP, SIMPLE, Inherited) to iTrustCapital. Typical timeline: 1–2 weeks.
Employer Plan Rollover: Move funds from a 401k, 403b, TSP, 457, or pension to iTrustCapital. Typical timeline: 2–4 weeks.
Cash Contribution: Add new USD funds via ACH or wire transfer. Typical timeline: Instant ACHs, 1–3 days for wires.

Frequently Asked Questions

What is the difference between a transfer and a rollover?

An IRA transfer moves funds directly between two IRA accounts (e.g., Traditional IRA to Traditional IRA) without the account holder taking possession of the money. An IRA rollover moves funds from an employer-sponsored plan (like a 401k) into an IRA. Both methods avoid creating a taxable event when done correctly.

How long does it take to fund an iTrustCapital IRA?

Funding timelines vary by method. IRA transfers typically take 1–2 weeks, while employer plan rollovers generally take 2–4 weeks due to physical check processing. Cash contributions can be initiated instantly with ACH, allowing your account to reflect funds within minutes, while full settlement typically takes 1–5 business days. Wire transfers take 1–3 business days to fund.

Can I transfer crypto directly to my iTrustCapital IRA?

Yes, if you already have a Bitcoin/Crypto IRA through a different provider, you can likely do an In-Kind IRA Transfer. This allows you to transfer cryptocurrency wallet to wallet without liquidating your assets. Cash contributions can not be made with crypto per IRS guidelines.

Can I rollover my current employer's 401k?

Plans from previous employers CAN be rolled over into an IRA. Plans from current employers MAY be able to be rolled over into an IRA, depending on your plan's rules. Contact your plan administrator to confirm eligibility.

Are there contribution limits for IRA funding?

Yes, for cash contributions in 2026, the limit is $7,500 if you are under 50 years old and $8,600 if you are 50 or older. There are no limits on the amount you can transfer or rollover from existing retirement accounts.

Will I owe taxes when funding my iTrustCapital IRA?

IRA transfers and direct rollovers do not create taxable events when moving funds between the same account types. Cash contributions are made with after-tax dollars for Roth IRAs or may be tax-deductible for Traditional IRAs, depending on your situation. Consult a tax professional for guidance specific to your circumstances.

Can I use multiple funding methods for my iTrustCapital IRA?

Yes, depending on your situation, you can fund your IRA using one or multiple methods. For example, you could transfer an existing IRA and also make annual cash contributions.

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This article is for informational purposes only and is not intended to constitute investment advice in any way or constitute an offer to buy or sell any cryptocurrency, digital asset or security or to participate in any investment strategy.

iTrustCapital is a fintech software platform for alternative assets. iTrustCapital is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager, or adviser in the United States or elsewhere. iTrustCapital is not affiliated with and does not endorse any particular digital asset, precious metal or investment strategy. Investing in any digital asset or cryptocurrency (including meme coins) carries significant risks due to their speculative and highly volatile nature. Past performance is not an indication of future results. No investment is completely risk-free, and every investment carries the potential for losing some or all of the principal amount invested. Cryptocurrency is not legal tender backed by the United States government, nor is it subject to Federal Deposit Insurance Corporation (“FDIC”) insurance or protections. Digital asset (Cryptocurrency) deposits held with institutional storage providers are never FDIC insured and may lose value. Clients do not receive a choice of custody partner.

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