Payments that only goes off after a week or so!!

Why does it take a week or so for money to go off my account when i swiped for it? I never had this issue, but when i upgraded to the gold cheque account i have this issue! How am I suppose to keep track of my money? When i swipe for something, it normally goes to my current account, but now i get a few payments that does not go to my current account...and after a week it goes off my avail amount that makes me go in to a minus sometimes!

Please explain to me why this is happening ! This is very unprofessional!