@Carolyn14
Sure, you are right but you are trying to buck the banking industry here and it is never going to happen. The delay stems back to the days when banking staff had to manually satisfy themselves that a cheque that had been issued was indeed genuine and the funds were available to honour that cheque.
Obviously these days funds are transfered instantly....if they are not available, the transfer is automatically rejected, same as your card if you have insifficient funds in your account....The purchase does not take place, and for there to be a delay time of anything up to 6 or 7 days is completely stupid and indefensible!
But that is simply the way the banking industry works, and there are billions of dollars to be made collectively by the industry continuing with this idiotic and time honoured system.
What is needed is governments to step up to the plate and withdraw banking licences from those institutions that wish to continue with this charade....but Carolyn, it's never going to happen! Just accept that this is the way the system works and get on with hosting!
Cheers.....Rob