It depends on how you do the transfer. ACH “Automated Clearing House” are old style transactions. They take a couple days. If you transfer the money directly, it’s much quicker. Almost instant.
ACH uses aggregation to make it cheaper to transfer funds. They’re done typically at close of business but sometimes throughout the day.
I find that most ACH is next business day these days. You can also do a wire which is instant but there is a charge. If you’re transferring $20-30k, you probably should do a wire so that you verify everything. There are no questions with a wire. If you’re transferring $200, just use one of the many direct transfer services. They are instant.
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