If you choose 'Money in Minutes,' your money is generally available within 3-5 minutes but can take up to one hour. There is a fee of 1% or 5% of the check amount (minimum fee $5), depending on check type for this.
If you choose 'Money in Days,' your money will be available 10 business days from the time you submit your check, provided your check is approved and it is not returned unpaid within the 10-day period.