This will not work well unless the bank account has some age to it and previous transactions. They are legally required to make $200 available immediately. Most

This will not work well unless the bank account has some age to it and previous transactions. They are legally required to make $200 available immediately. Most major banks will clear it all to you overnight after 30 days if you deposit it in time for the ACH to process overnight. That will require the account it is written from to actually have the funds in the account.