You also have to be aware that "money in the bank" could take weeks. In cases where cashing cheques, it isn't cleared until issuing bank signs off on the transaction. It is possible for your branch to clear payment and release funds to your account only later to revert it when issuing bank flags the fraud.

The best way to exchange funds is certified check; then take that check to the branch that issued it to verify and cash it prior to completing transaction.