Is Zakāt al-Fiṭr sufficient if it reaches the poor person's bank account before Eid, but the poor person does not actually withdraw it from the bank until after Eid, and is the arrival of the amount in the account considered an act of possession?

Generally, the issue of giving the monetary value of zakat is a matter of juristic independent reasoning (ijtihad) about which scholars differ. The more cautious approach is for a Muslim to give only the specific item mandated by Sharia to avoid this difference of opinion. However, according to the view that permits giving the monetary value for Zakat al-Fitr, it does not matter if the poor person does not withdraw it from the bank on the day of Eid, as long as it entered their account within its prescribed time. This is based on the statement of Ibn Abbas (may Allah be pleased with them both): "The Messenger of Allah (peace be upon him) enjoined Zakat al-Fitr as a purification for the fasting person from idle talk and obscenities, and as food for the poor. Whoever pays it before the prayer, it is an accepted zakat. And whoever pays it after the prayer, it is a charity like any other charity."