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Why isn't my instant deposit in my bank account?

Where is my instant deposit and why isnt it showing in my bank account?  I thought it was 24/7.  

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In order to get my first instant deposit I had to link my debit card from my bank to my Square account. I think it is a cya move to enable things like the dreaded chargeback created by a consumer. Once you are linked and show funds in your bank the instant deposit really is a swift tool, I've used it many times, takes less than a minute once you have a linked debit card on file.

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