In most cases an ACH initiated directly from one bank account to another will take one business day. If it is processed on Wednesday before the Federal Reserve cut off, the funds will usually be available to the receiver some time on Thursday. The additional time is because a third party is being used.
I can't speak to Dwolla, but most MSCs do cover themselves with PayPal by stating payment may take several days. For me it has never taken more than one day for PP to get the funds into my account. As long as I initiate the transfer to my bank account by around 4 or 5 pm, the funds are always in my account the next day. Most of the time they are available as early as 8 AM. Other than weekends, the whole process is 48 hours or less.
Equal rights for others does not mean fewer rights for you. It's not pie.
"I prefer someone who burns the flag and then wraps themselves up in the Constitution over someone who burns the Constitution and then wraps themselves up in the flag." -Molly Ivins
Never try to teach a pig to sing. It's a waste of your time and it really annoys the pig.