It is only 14 days from the day you intially sign up.
After the first 14 days you are able to disburse every 24 hours, unless you signed up for a pro-merchant account.
I normally add my bank account after a few sales.
Sometimes when you create a new account, Amazon will restrict your selling ability until you add a bank account.
Adding a bank account will give you a little more security on Amazons review side of things.
However its up to you, anytime within the 14 days, I normally wait until after a few sales in case for some reason they suspend the account I dont lose the bank account.
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