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Great reply - 

Yes, have noted the "float" time as approximately five (5) days before the check clears (that is, when I mailed the tax return) .

To clarify, if the federal tax return is E-Filed, payment date has to be the date the return is filed (i.e., October 16th).  What is the approximate "float" time in that situation if E-Filing?    24 hours?   36 hours?   Same day?