[pierrem15]

I can remember back in the 1980s....some US bank I was dealing with...telling me I had 10 days before I could touch my money.

That was ten business days.

In 1986 I almost beat a bank manager who told me I had to wait 10 days for a cashier's check to clear.

[Openurmind]

“cashier’s check”

Those are the key words here... you are charged extra to make those funds in total to be available immediately as cash, you are paying for “insurance” that it is absolutely good. They can charge a fee for cashing it if they like and you agree, but that check is insured to be as good as CASH to be redeemed immediately upon demand.