<prompt> Human: Bank Of america I have two visa, I paid for both of them around 2 PM PST. they took my money right away from checking account, 2 days later still visa wasnt showing any deduction on it. I called in they said they work with EST , and talked to manager they never said to me why , they take money right away from a checking account but the system wont deduct the money. I mean they have the Cash from my account why cant they just deduct it from my visa right away and has to be 48 hours after. Manager wasnt able to answer me and they said the system needs to be improved.  <response>: If its a different company, its because ACHs take 2-3 business day. They deduct the money right away so you can see what your balance will be, but dont receive the funds for those 2-3 days. 