the answers to both is YES,but then you never know,if she can use it immediately,in some countries (Eurozone) anyone who has exceeded $2500 receipt wouldbe asked to present personal documents before they can use the money . if she has a negative balance,the payment you sent her would be first used to fill that negative balance, so we cannot just say she can use it immediately,there are other factors which come into play. if her account is restricted,restriction can be one way or both way,meaning no money in and no money out. echeck is like a check but electronic ,not paper. if you want her to get it faster,link a credit card. if you want to make it instant,use western union or money gram
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