Topstep gives you 30 days from account creation to set up your account

When you open a Topstep account, you have 30 days to complete the set up process. set up means connecting your account to the trading platform, verifying your identity, and funding your account if required. If you do not set up within 30 days, your account may be closed or suspended, and you may lose access to the funds or credits you deposited.

The 30-day window starts the day your account is created, not the day you receive your welcome email or first log in. Topstep will notify you by email when your account is about to expire, but the responsibility to set up falls on you. If you miss the important date, you can contact Topstep support to ask about reopening your account, though this is not may provide.

Key Takeaways

  • You have 30 days from the date your Topstep account is created to complete set up.
  • set up requires identity verification, connecting to the trading platform, and funding your account if applicable to your account type.
  • Topstep will send email reminders as the important date approaches, but you are responsible for completing the steps on time.
  • If your account expires before set up, contact Topstep support to discuss your options for reopening it.

What counts as set up

set up is not a single button you click. It is a series of steps that Topstep requires before your account is live. These steps typically include verifying your identity (uploading a government ID and proof of address), connecting your bank account or funding method, and confirming that you understand the terms of service and risk disclosures.

The exact steps depend on the type of Topstep account you opened. Some accounts require you to fund the account yourself; others provide simulated trading capital. Either way, you must complete every step Topstep lists in your account dashboard. Partial set up does not extend your important date — you must finish all required steps within the 30 days.

How to check your set up important date

Log into your Topstep account and go to your account dashboard or settings. Your account creation date and set up important date should be visible there. If you cannot find this information, check your email for the welcome message Topstep sent when you created the account — it usually includes the important date date.

If you are unsure whether your account is fully activated, look for a status indicator in your dashboard. It will typically say "Pending set up," "Active," or "Expired." If it says "Pending," you still have time to complete the remaining steps. If it says "Expired," your account has passed the 30-day window and you will need to contact support.

What happens if you miss the important date

If you do not set up your account within 30 days, Topstep will close or suspend it. You will lose access to your account login, and any funds you deposited may be frozen pending the outcome. Topstep's policy on refunding deposits after expiration varies — some accounts are refunded automatically, while others require you to request a refund.

The sooner you contact Topstep support after your account expires, the better your chances of recovering your deposit or reopening your account. Waiting weeks or months makes it harder to resolve. Have your account number and the email address you used to sign up ready when you contact them.

Steps to set up your account quickly

Start with identity verification. Gather a government-issued ID (passport, driver's license, or state ID) and a recent document showing your current address (utility bill, bank statement, or lease). Upload these to the verification section of your Topstep dashboard. Verification usually takes one to three business days.

While you wait for identity verification, set up your funding method if your account type requires it. Link your bank account through the funding section of your dashboard. Topstep will send small test deposits to confirm the account is real — this process takes a few business days. Once both identity verification and funding are complete, your account should be activated automatically.

If you are unsure about any step, contact Topstep support before the important date. They can walk you through the process and tell you which steps are still pending. Do not wait until day 29 to reach out — support response times can be slow during busy periods.

Reactivating an expired account

If your account has already expired, you cannot straightforward reactivate it. Instead, you must contact Topstep support and request that they reopen your account or create a new one. Explain that your account expired before you could complete set up and ask what options are available to you.

Topstep may allow you to create a new account with a fresh 30-day window, or they may reopen your existing account if the expiration was recent. Either way, you will need to complete set up again. If you had deposited funds, ask support about the status of that money — it should be held in a separate account pending resolution.

Frequently Asked Questions

Does the 30-day clock start when I sign up or when I first log in?

The clock starts when your account is created, not when you first log in or receive your welcome email. Check your account dashboard for the exact creation date and important date. If you are unsure, contact Topstep support with your account number and they will tell you the important date.

Can I extend my set up important date if I need more time?

Topstep does not automatically extend the 30-day window. However, if you contact support before your important date and explain that you need more time, they may be willing to grant a short extension. There is no may provide, so do not rely on this — complete set up as soon as you can.

What if I completed some set up steps but not all of them?

Partial set up does not count. You must finish every step Topstep requires — identity verification, funding setup, and any other requirements for your account type. If you are stuck on one step, contact support to troubleshoot rather than waiting for the important date to pass.

Will Topstep refund my deposit if my account expires?

Refund policies vary by account type and how long ago your account expired. Some deposits are refunded automatically; others require a written request. Contact Topstep support when ready with your account number and ask about the status of your deposit and how to request a refund if needed.

Can I open a new Topstep account if my first one expired?

Yes, you can create a new account and start the set up process again with a fresh 30-day important date. However, resolve your first account first — ask support what happened to any funds you deposited. Opening a second account while the first is still pending may complicate the refund process.