this post was submitted on 28 Sep 2026
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[–] TherapyGary@lemmy.dbzer0.com 6 points 1 week ago (1 children)

I can assure you banks absolutely do have the ability to send your money back instantly.

USAA does this for certain refunds, but they take on a bit of risk to do so. They make the funds available to spend before they've actually been settled

[–] IamMoonPie@lemmy.world 3 points 1 week ago

That’s interesting, I’m not familiar with their practices specifically but that is interesting!