; and (B) by inserting after paragraph (19) the following: (20) Real-time The term real-time — (A) means any time; and (B) includes a Saturday, Sunday, and a legal holiday. . (2) Technical and conforming amendment Section 3 of the Check Clearing for the 21st Century Act ( 12 U.S.C. 5002(2)(D)(iv) ) is amended by striking section 602(24) and inserting section 602(25) . (b) Expedited funds availability schedules Section 603 of the Expedited Funds Availability Act ( 12 U.S.C. 4002 ) is amended— (1) in subsection (a)— (A) in the subsection heading, by striking Next Business Day and inserting Real-time ; (B) in paragraph (1)— (i) in the matter preceding subparagraph (A), by striking Except as provided in subsection (e) and in section 604, in and inserting In ; and (ii) in the matter following subparagraph (B) by striking not later than the business day after the business day on which and inserting in real-time when ; and (C) in paragraph (2), in the matter preceding subparagraph (A), by striking not later than the business day after the business day on which and inserting in real-time after ; (2) by striking subsection (b) and inserting the following: (b) Permanent Schedule Funds deposited in an account at a depository institution by a check drawn on a local or nonlocal originating depository institution shall be available for withdrawal in real-time. ; (3) by striking subsections (c) and (d); (4) by redesignating subsections (e) and (f) as subsections (c) and (d), respectively; (5) in subsection (c), as redesignated by paragraph (4)— (A) in paragraph (1)— (i) in subparagraph (A)— (I) by striking Not more than 4 business days shall intervene between the business day a and inserting A ; (II) by inserting a comma after subparagraph (B) ; (III) by striking is ; and (IV) by striking and the business day on which funds from such deposit are available for withdrawal and inserting shall be available for withdrawal in real-time