After you file

@xmasbaby0 giving the speed of electronic banking these days, it should be quick.  That is why I stated 48 hours - tops.  I wouldn't assume any longer than that risk an overdraft. 

 

1) file today and the IRS has the banking information tonight. 

2) tomorrow night the IRS sends the ACH file to the individual banks

3) the next day the Banks debit the individual bank accounts.

 

so filing on Mondy and the debit could occur as quick as Wednesday. 

 

48 hours - tops (i used to work at a large US bank and the demands to get the money to the IRS is quite fierce).