I had this issue with Schwab over Easter and the a
Post# of 147154
They said transfers initiated thru Schwab from my bank take 3 days no negotiating that because they "can't guarantee the funds will come in." (Bullshit bc it already left my bank so where's it gonna go?).
However, if I initiate the transfer from my bank TO Schwab then it can clear within one day.
Regardless, Figgs is right. They just want to sit on your $$ for a few days.