They USED to take it out immediately when the check was sent out, but they changed that without warning a couple years ago. However, it's easy to see what's been sent out versus what has been cashed.

I only have one checking and one savings account, and I can transfer between those for free. I don't know about multiple checking accounts.

What's nice is that Citizens is open later at many grocery stores, and there are ATMs around at various T stations.