<prompt> Human: I am a lurker who has been learning a ton from rpersonalfinance thank you! and signed up to ask this question about my employers 403b plan TIAA-CREF. The deposits, to my knowledge, are electronically made in the same fashion as my paycheck deposit into my checking account. In most instances 9 out of 10 times the deposit appears on my tiaa account the same Friday as my payday. However, there have been a few occasions where the deposit is made almost a full week later. There was even one instance where it was two full weeks later after I had contacted HR and been told they had not completed the transfer??. Is this normal? It makes me suspicious about where my money goes for those 3-14 days and how its being used. Obviously, its my money and its supposed to be working for me in my mutual fund account. It seems to me like it should appear instantly just like my paycheck deposit, and even if its one or two days late it doesnt seem right.Anyone else experience similar delays? Thanks!  <response>: In my experience no, it is not normal. Contact whoever runs your mutual fund and see what they say. 