Any initial calls for a new user will be done in what we call real-time. If you frequently need to refresh your user’s data, you may consider using the parameter MostRecentCached=true, which gives you blazing-fast access to the data pulled in the most recent scheduled background refresh.
If you want to allow your user to refresh her account in real-time, or if you need to see a transaction that your user made minutes ago for example, you can turn the MostRecentCached flag to false.