<prompt> Human: I use banking apps for 99 of all my financial activity including depositing checks, transferring money between accounts, monitoring account activity, paying bills, etc. This is much more convenient than keeping meticulous paper records or having to visit the brick-and-mortar bank all the time, but theres still one thing that bugs me: why are there still delays? Theres a several day delay between depositing checks and seeing the money show up in my account. Theres a delay between paying off my credit cards and seeing the money actually debited from my checking account. I understand the delay when these things are done by the brick-and-mortar bank and its employees, but why does it still exist when everything is happening digitally?  <response>: Banking at least in the US is handled via ACH. This method processes financial transaction in sizeable batches each day; if you dont get in the batch in time then you are delayed. This isnt even considering the flag checking for making sure your money is legit and all that.If someone could further explain that would be great. 