@MaxRLC what you have to understand is the whole concept of 'float' has changed over the past few years.
even if you mail the check, that float ends the day the bank rips open the envelope. Unlike the old days when that peice of paper had to physically travel back to your bank, it now all happens electronically. So if you mail the check on Monday, don't be surprised if it clears as soon as Wednesday. And it could even be Tuesday if you happen to live near where you are instructed to mail the tax return.
For the efiling, same thing: if you efile on the 16th that means the IRS has your banking information that same evening. Figure they transmit the ACF file to all the banks on Tuesday evening and it will clear you bank as soon as Wednesday.,
So either way - figure two days MAXIMUM. and there is a risk it could be one day. Like I stated, the idea of 'bank float' isn't what it used to be.
note I stated earlier I used to work for a very large US Bank, so I have an appreciate how this works from inside the Bank.
