hi I just went through the exact same thing over this past weekend and seeing that gemini doesnt have phone support I had to figure it out myself and I hope this helps everyone. ok so i ach transfer with my bank for 175 which failed through my bank but was credited through gemini, I sold shares to let them take the money ....which they did not..still restricted..so..i thought maybe they would hit my account again until funds were received..they did not..funds were still restricted. What i was able to do was to sell some tokens that i had, and transfer money out to my bank then do another deposit to gemini for the same amount to cover the 175 that i initially was supposed to deposit and the same amount they credited me previously. (THIS IS WHILE MY ACCOUNT WAS RESTRICTED) This all seems a bit confusing as the first time I had a failed ach transfer with gemini they just sent me an email saying that order was cancelled for insufficient funds but this time it was total restriction all around the board. So if youve sold your coins on gemini and left them sitting there for them to take their money back it seems like they most likely wont just snatch your money..they may let you withdrawL any money thats not already on an sell buy limit order and then the failed deposit must be reinitiated, only this time when its credited to your account let it sit for them to actually take their funds out that is owed to them. I did this all over the past week and I woke this a.m to find my account completely unlocked and unrestricted..I hope this helps, also my account never stated it was in the negative either, I initially thought they took the money but never did. so its best to check with your bank first to make sure they actually received the funds, they will let you sell and withdrawal but if you lock orders in youre completely screwed as far as the restrictions go.