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First and foremost, the banks involved in the transaction play a significant role. Different banks have different processing times. Some banks may have faster internal systems and more streamlined processes. This can speed things up. It's also worth considering that if you're transferring money between two accounts at the *same* bank, the process is usually quicker than if the banks are different. This is because the money doesn't have to go through the external clearing process. Banks' internal systems are often designed to handle these types of transfers in real time or within a few hours. When it comes to banks, the size and technological capabilities matter, too. Larger banks with more advanced infrastructure might be able to process transactions more quickly than smaller institutions. Their systems are typically optimized for higher transaction volumes and faster processing times. The policies and procedures of the banks also influence the processing speed. Some banks have cut-off times for processing EFTs during the day. If you initiate a transfer after the cut-off time, it might not be processed until the next business day.
