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|||It really depends on the regulation at your bank. Most direct deposits such as refunds are immediate access. And, it also depends on your bank of how much you can take out. You should not have a problem withdrawing in person but you may have limits at the ATM.|||If it's direct deposited or wired in your account it is yours usually, however banks have a right to hold funds over $5,000-10,000, depends on bank I think, but usually the federal government funds are available immediately. (So far anyway)
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