I find it interesting that it takes 3 to 5 days to transfer funds. It leaves my account on day 1, but doesn't appear in the other account for a period of time. I always thought the speed of light was constant. I realize that it slows a bit in copper and the processors do require a finite amount of time. However 3 days. Even my emails only take a few minutes at most. Of course my emails are a much higher priority than any bank transfer, but 3 to 5 days, really. I think MIT or Stanford should request a gizillion dollar grant to study this phenomena.