If she cashed it at the issuing bank the money is ready. Is she deposits it at her bank it will be ready in 3-5 business days. ACH transfers take time. Cash dep

If she cashed it at the issuing bank the money is ready. Is she deposits it at her bank it will be ready in 3-5 business days. ACH transfers take time. Cash deposits do not. If she got paid on a Friday it might be 5 days before she would be able to withdraw. I used to cash my paychecks at a check cashing store for the same reason. Even though they took a small fee the convenience of having money for the weekend was worth it.