Question

For electronically deposited funds, such as an employee's direct deposit, when must banks make those funds available to the employee?

Answer 1

The banks make the funds available to the employees on THE PAY DAY.
Direct deposit is an electronic method, which is used to pay employees' salaries. It is a better alternative to issuing checks. Banks are mandated to deposit the net pay into the employees' accounts on the pay day, that is, on the day of the month when their salary is usually paid.