The basic steps to withdraw from AIG online
To withdraw money from an AIG account online, you log into your account through AIG's website or mobile app, navigate to the withdrawal or transfer section, choose your destination bank account, enter the amount, and confirm the transaction. The money typically moves to your linked bank account within one to three business days, depending on your bank and AIG's processing schedule.
AIG offers withdrawals through several routes: direct transfer to a linked bank account (the most common), wire transfer for faster movement, and in some cases check requests. Which option you use depends on how quickly you need the money and what AIG's current system supports for your account type.
Key Takeaways
- You must link a bank account to your AIG profile before you can withdraw online; AIG will not send money to an account you have not verified.
- Standard transfers to a linked bank account take one to three business days and are free; wire transfers are faster but may carry a fee.
- AIG may require you to verify your identity through a code sent to your phone or email before processing a large withdrawal.
- If your withdrawal is delayed or rejected, check that your linked bank account is still active and that AIG has not flagged the transaction for review.
Setting up a linked bank account for withdrawals
Before you can withdraw money online, you need to add a bank account to your AIG profile. Log into your account, find the settings or account management section, and select "Add Bank Account" or "Link Account." AIG will ask for your routing number and account number—both appear on the bottom left of a check, or you can find them through your bank's website or app.
AIG typically verifies the account by sending two small deposits (usually under $1 each) to that bank account within one to two business days. You then log back into AIG, confirm the amounts of those deposits, and the account becomes active for withdrawals. Some accounts skip this step and verify when ready through your bank's login credentials, but the deposit method is more common.
Once the account is verified, you can withdraw to it when ready. You can link multiple bank accounts if you want to split withdrawals or use different accounts for different purposes.
How to initiate a withdrawal through the AIG website
Open the AIG website and log in with your username and password. Navigate to the account dashboard or home page. Look for a button or menu labeled "Withdraw," "Transfer Funds," "Move Money," or "Manage Account"—the exact label varies by account type.
Select the linked bank account you want the money to go to. If you have only one linked account, AIG may select it automatically. Enter the dollar amount you want to withdraw. Review the transaction details: the destination account, the amount, and the expected arrival date (usually shown as a range, like "1–3 business days").
Click "Confirm" or "Submit." AIG may ask you to verify your identity by entering a code sent to your phone via text or to your email. Enter that code and confirm again. The withdrawal is then submitted and you should see a confirmation number on screen and in your email.
Using the AIG mobile app to withdraw money
The AIG mobile app follows the same basic flow as the website. Open the app, log in, and tap the menu or account icon. Look for "Withdraw," "Transfer," or "Manage Funds." Select your destination bank account and enter the amount.
The app may ask for biometric verification (fingerprint or face recognition) instead of a password, depending on your phone's settings and AIG's security requirements. After you confirm, you will receive a notification that the withdrawal has been submitted, and AIG will send a confirmation email within minutes.
The mobile app is often faster than the website for routine withdrawals, and you can initiate a transfer from anywhere without needing a computer.
Wire transfers and faster withdrawal options
If you need money faster than the standard one- to three-day window, AIG may offer wire transfer as an option. A wire transfer moves money the same business day if you submit it before the cutoff time (usually 2 p.m. Eastern time on a business day). Wire transfers typically cost $15 to $25, depending on AIG's fee schedule.
To request a wire, follow the same login steps as a standard withdrawal, but select "Wire Transfer" instead of "Transfer to Bank Account." You will need to provide your destination bank's routing number and your account number. AIG will confirm the wire details and the fee before you submit.
Not all AIG account types support wire transfers, and some have limits on how often you can wire or how much you can send. Check your account terms or contact AIG directly if you are unsure whether wire transfer is available for your account.
Timing, fees, and what to expect after you submit
A standard online transfer to a linked bank account is free and takes one to three business days. The exact timing depends on when you submit (transfers submitted after 2 p.m. Eastern time may not process until the next business day) and your destination bank's processing speed. Some banks credit transfers the same day; others take the full three days.
AIG charges no fee for standard transfers. Wire transfers cost $15 to $25. Check requests, if available, are usually free but take five to ten business days because they move through the mail.
After you submit a withdrawal, you will see it listed in your transaction history as "Pending" until it reaches your bank account. Once your bank receives and credits the money, the status changes to "Complete." If a withdrawal stays pending longer than the stated timeframe, or if it is rejected, contact AIG's customer service to find out why.
Troubleshooting withdrawals that are delayed or rejected
If your withdrawal does not arrive within the expected timeframe, the most common causes are: the destination bank account is closed or inactive, AIG has flagged the transaction for fraud review, or your bank is processing the transfer slowly.
Check that the bank account you linked is still open and active. Log into that bank's app or website and confirm you can access it. If the account has been closed, you will need to link a different account and resubmit the withdrawal.
If AIG has flagged the transaction, you may see a message in your account or receive an email asking you to verify your identity or provide additional information. Respond to that request as quickly as possible; AIG will not process the withdrawal until verification is complete.
If the withdrawal was rejected outright, AIG will show a reason in your transaction history or send an email explaining why. Common rejection reasons include insufficient funds, a mismatch between the account holder's name on AIG's records and the linked bank account, or a security hold on your account. Contact AIG to resolve the issue before resubmitting.
Frequently Asked Questions
Can I withdraw money on a weekend or holiday?
You can submit a withdrawal request on a weekend or holiday, but AIG and your bank do not process transfers on non-business days. A withdrawal submitted on Friday evening will not begin processing until Monday morning. Wire transfers submitted after the cutoff time on a business day are also held until the next business day.
What is the maximum amount I can withdraw at once?
AIG sets withdrawal limits that vary by account type and account age. New accounts often have lower limits than established ones. Check your account settings or contact AIG to find your specific limit. You can usually request a higher limit, though AIG may require additional verification.
Do I need to notify AIG before making a large withdrawal?
You do not need to notify AIG in advance, but large withdrawals may trigger a fraud review, which can delay processing by a day or two. If you know you will need a large amount, contacting AIG beforehand can sometimes speed up the process by allowing them to flag your account as expecting the transaction.
What happens if I withdraw money and then change my mind?
If the withdrawal is still pending (has not yet reached your bank), you can cancel it through your AIG account. Once the money has been credited to your bank account, you cannot cancel the withdrawal through AIG—you would need to contact your bank or request a return transfer from that account.
Can I set up automatic recurring withdrawals?
Some AIG accounts support automatic transfers on a schedule you set (weekly, monthly, etc.). Check your account settings under "Recurring Transfers" or "Scheduled Withdrawals." If the option is not available, you can set a calendar reminder to withdraw manually each period, or contact AIG to ask whether recurring transfers are available for your account type.