where does the money go?

    A bank transfer from one account to another, in the same bank, has now taken four days, and, according to the bank, may take another day before they consider themselves delinquent. The money disappeared instantly from the account from which it was withdrawn--but has yet to appear in the account to which it was deposited. Where has it been? In hyperspace? In financial suspended animation? For accounting purposes, it has ceased to exist--for days.

Suggestion--the money has been playing the stock market. If this takes four or five days as a matter of course, that may add up to billions per day, every day.