It's the bank, it takes between 3 -> 5 business days for it to clear. And as today is Thursday here, and the weekend doesn't count as business days - Monday would be the absolute earliest.

We'll see what the vet suggests as well, they might be able to help out there too. If they can include a crate in the overall cost we can pay it off on the payment plan. Either way, we'll figure something out. :)