I had a similar problem a couple of months ago with transferring money from my debit account to the visa to pay off, did it on the morning before it was due
But it wasn't done in time to pay, and the visa stung me £17 in charges, went to the bank and moaned at them, usual b/s, but they refunded the sting, if I had gone in paide with a counter cheque it would have cleared
It was all within the same bank system, talk about rip off
I asked them for a pair of scissors, they wanted to know why, I was going to shred the cards they issued me, then close all accounts down and go to the next bank across the road
bing sorted, Electronic transfers a load of b/s