The funds can be in your account as early as seconds later or as late as the 4th business day after you have deposited the Digital Check online. 

If you are using the 'Deposit Instantly' feature, the funds will be in your debit card in 18 seconds

If you are using the 'Deposit Directly Online' feature, the transfer time depends on the sender.
Some senders are calibrated for overnight settlement and in those cases the funds will be in your account the next morning.
Other senders are calibrated for more safety checks and in those cases the funds will be in your account 3 business days after they've been deposited. 

*This is conditional to no mistakes being made on the recipient's side. If the recipient provides incorrect information, deposits the check incorrectly etc., the transfer process shall become longer*

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