They get them immediately, how long they take to actually review them is likely 1 or 2 days. I never got an email or anything after I uploaded mine online as a confirmation they reviewed it. A few days after, I went to the website and clicked on "Sign up for online banking". It asks for your last name, dob, ssn, and email. It logged me right in to my account. I recieved my membership info in the mail about a week later.