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By atmjay on Dec 2, 2009 | Reply

Your question reads as if you are wondering about the delay of funds, sometimes by as much as a day, of a deposit to your account.
Banks operate on a defined business day. Most banks open up around 8 am. and close at 6 pm or somtimes even 7 pm. The business day, however is never actually that long. You need to find out when your bank’s business day ends.
For example, if the bank’s business day ends at 3:00 pm. daily, then if you deposit checks or cash into your account before 3:00 pm. it will go into your account that night, when the bank does it’s nightly computer processing. The very next morning the funds will show up if you check your account balance at the ATM or through online banking (or instant, as you put it). However, if you make the deposit after the bank cut-over, in this case after 3:00 pm., then it is on the next days business. So, using this example, if you make the deposit after 3 pm. on Monday, it is considered Tuesday’s business and processes Tuesday night. This means that Wednesday morning you will be able to see the deposit at the ATM or through online banking.
Sometimes the Driv-thrus have different cut-over times than the lobbies. You should check with your bank to find out what they are.

By islandgr on Dec 2, 2009 | Reply

when u deposit money into a bank, it stay there until you make a withdrawal or pay a bill with one of your own checks. it would take long for a check to deposit because the check you deposit has to clear from the payer’s bank first. when you cash a check, you would get the cash instantly but the check still has to clear from the payer’s bank. if it doesn’t, then the payer would receive a charge from their bank.