I think OP is talking about movement between banks. External transfer ( basically ACH ) between my banks is on average 5 days now. Last time I challenged them on this they used blanket 'fraud protection' as an excuse. When I started depositing cash as a way to deal with it, I got odd looks asking if the money is from my online business.

I dislike banking lately. And I used to be that annoying guy who goes into branch to do some transactions.

Point is, it really shouldn't take that long ( and I know for a fact it doean't ) to settle.