How long does it take for a large amount of money to be deposited into your bank?

A EFT (Electronic Funds Transfer) can take up to 7 business days depending on each bank's guidlines and which district their ACH (account clearing house) is located. Wire Transfer typically are "instant" but the time frame is usually 2 to 24 hours. To view availability of these funds also depends on how processing works at your bank. For example, direct deposits are usally made within the hours of midnight to 2AM, but you may not see it in your account until 10AM. Contact your bank to see what their policies are for funds transfers or if you have your account disclosures, look under the title "Funds Availability" and Reg. E transactions.