ACH deals are not immediate. That is, you do not obtain the cash attributed to your account promptly when someone initiates a transfer to you. This is due to the fact that ODFIs do not send out the transfer request as quickly as they obtain them. Instead, an ODFI collects a number of applications, as well as forwards them digitally in a batch to the driver. The driver then accumulates and processing all the transfer ask for a given day before distributing them to the proper RDFI. Therefore, the procedure typically used to take three to four days to go through the system. But nowadays the transfers move in real-time and even instantly.