Transfer of apply pay

I’m assuming your money was in your Apple Cash virtual card in your Wallet app on your iPhone?

If so, there are two ways of transferring money. One is free and the other has a fee attached. Which transfer did you do?

You transferred it via ACH transfer. That’s how free transfers are sent. Generally those transfers take only 1 to 3 days, but the upcoming holiday may delay it because of weekends and bank closing. It’s also dependent on the bank you transferred the funds too.

Instant costs extra $$ so banks charge a fee. This is not uncommon. If there was a physical card, you could have possibly done a free withdrawal from an ATM. But Apple Cash is a virtual card and physical cards are not an option.

BOA is one of the big 4 banks (too big to fail) and I suspect you’ll have it tomorrow.