Electronic Transactions are instantaneous. Make banks make those transactions also instantaneous.

Anything done electronically is almost instantaneous. There is no reason to put a hold on a transaction of a bank for 3+ days or 5+ working days on a weekly routine direct deposit done electronically or transfer of an internal consumer funds, ie moving pay from checking to savings.

I propose that if an electronic transaction takes place no longer than 24 hours should the hold be.