My focus today was on, naturally, the job search and trying to find out why it takes 5 days to electronically transfer money from one institution to another!  No one knows, the rules/regs I've read from the FDIC say nothing about a 5-day hold.  I'm sure it follows the way things were done back in the day of using 'checks' and the wait for them to clear, but if the bank knows I can't make a purchase because funds are not available then they immediately let you know..how come a customer can't  immediately get their money? I know, I'm on a rant, need to get a life!  or at least a job!