It depends entirely on your Banks peering agreement. It generally clears within minutes if you're transferring between participating Banks. If not, the maximum

It depends entirely on your Banks peering agreement. It generally clears within minutes if you're transferring between participating Banks. If not, the maximum amount of time they're permitted to take is exactly one business day after they've accepted your order. This acceptance is not necessarily the time you've entered the details on their website. It is often, but there are some outliers that only accept them at a specific time each day. (But still let you schedule them at all times.)