At least one US investment banks I've used require a waiting period before transacting with a newly added account/routing number for wires/ACH. I've even got calls from customer service manually confirming transfers/withdrawals if it's a new account or one that's been unused for a long period of time.
That said, there is no waiting period on me withdrawing from my checking account.
That said, there is no waiting period on me withdrawing from my checking account.