whether online banking or over the counter ka mo fund sa imong account same ra, usually within 24 hrs masulod na ang money sa imong COL account. If mo withdraw ka, just download the withdrawal form sa COL website, print it and fill it up, scan and email it to COL. Pwd nmo i-instruct sa COL to deposit the money in your bank account. Within 24 hrs naa na ang money sa imong bank account, pinakadugay 3 days.