this post was submitted on 14 Jan 2026
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I still don't know why USians don't simply use bank transfers. Uses neither cash nor credit cards, perfectly easy.
Bank transfers here take 3 days typically. And that's business days, so add another one if it's after 4:30 pm, also Saturday, Sunday, and holidays don't count.
That's what it was like here not so long ago. It can occasionally still take that long if you're sending money to another bank. Same for weekends and holidays. We still seem to get by just fine?
Banks and other financial institutions invest our money during the float (the period of time between deposit and the money showing up in the account).