That I'm not sure, but I believe that if a bank is running that software (check 21 rails) that it would be realtime. The problem is that American banks are married to ach, thus the need to partner in Africa and will eventually add more banks here as they see the competition. I think the company is using any means to get the ball rolling and when the check 21 legislation gets enforced MyeCheck will be positioned to steamroll everyone, one day.