Hell, one of my credit unions holds payments I make to my credit card from my credit union checking account. One credit union will give me a "courtesy credit"

Hell, one of my credit unions holds payments I make to my credit card from my credit union checking account. One credit union will give me a "courtesy credit" for photo-deposited checks up to $1,500. Another holds all of them for three business days. The bank I was using to receive a wire transfer sat on the deposit until 6pm even though the sending bank said it was transmitted at 8:30am (same time zone). How we handle moving money is nuts. Most of the time, the way that's actually the fastest is to go to a credit union ATM, withdraw the desired amount with one plastic card, and use the destination credit union's plastic card to deposit the exact same money back into the exact same ATM.